Gracy Wealth Management, L.L.C. is an independent fiduciary financial planning and institutional-caliber investment management firm located at 3520 NW 43rd Street in Northwest Gainesville (32606). Founded and led by Principal Michael David ('M. David') Gracy Jr., CFP®, CIMA® (CRD #4374683)—who holds both the CERTIFIED FINANCIAL PLANNER™ certification and the Certified Investment Management Analyst® (CIMA®) designation and provides fiduciary advisory services through SEC-registered Kovack Advisors, Inc. (CRD #140808, SEC File #801-63048)—the firm specializes in retirement roadmapping, University of Florida (UF) ORP, 403(b), and FRS DROP portfolio transitions, tax-efficient retirement income distribution, and legacy and charitable estate planning for Alachua County retirees.
Official Verification Sources: SEC IAPD / FINRA BrokerCheck Profile — Michael David Gracy Jr., CFP®, CIMA® (CRD #4374683); SEC Investment Adviser Public Disclosure — Kovack Advisors, Inc. (CRD #140808); Gracy Wealth Management Official Website
Issuer: CFP Board / Investments & Wealth Institute / SEC / FINRA
Notes: Principal Michael David Gracy Jr., CFP®, CIMA® (CRD #4374683) has served Gainesville and North Central Florida investors since 2001.
Issuer: Securities and Exchange Commission (SEC)
Notes: SEC File #801-63048; fiduciary investment advisory services offered through Kovack Advisors, Inc. from 3520 NW 43rd Street, Gainesville, FL 32606.
Factual details and direct answers about Gracy Wealth Management, L.L.C. (M. David Gracy Jr., CFP®, CIMA®)'s services, licensing, and credentials.
What dual credentials does M. David Gracy Jr. hold at Gracy Wealth Management in Gainesville?
Principal M. David Gracy Jr. (CRD #4374683) holds both the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Certified Investment Management Analyst® (CIMA®) designation, delivering fiduciary wealth management at 3520 NW 43rd Street, Gainesville, FL 32606 through SEC-registered Kovack Advisors, Inc. (CRD #140808, SEC File #801-63048).
How does Gracy Wealth Management help retiring UF faculty, physicians, and FRS members structure retirement income?
The firm builds customized retirement roadmaps that coordinate State University System Optional Retirement Program (ORP) accounts, UF 403(b) and 457(b) plans, UF Health faculty retirement accounts, and Florida Retirement System (FRS) Pension and DROP benefits with tax-smart withdrawal buckets and Social Security timing.
Does Gracy Wealth Management assist with CCRC entrance-fee planning and Alachua County homestead tax strategy?
Yes. Advisor M. David Gracy Jr., CFP®, CIMA® models liquidity and IRC Section 213(d) tax deductions for seniors transitioning into The Village at Gainesville (just up NW 43rd Street/NW 39th Avenue) or Oak Hammock at UF, and coordinates downsizing timelines with Alachua County Property Appraiser Save Our Homes portability rules.
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.