Modera Wealth Management, LLC (an independent, fee-only SEC-registered fiduciary Investment Adviser, CRD #155649, SEC File #801-71973) operates a flagship Citrus County wealth management, tax strategy, and fiduciary retirement planning office in historic Downtown Inverness at 221 West Main Street, Suite A, Inverness, Florida (ZIP 34450)—directly across from the Historic Citrus County Courthouse and two blocks west of the Citrus County Property Appraiser's Courthouse Annex office (Cregg E. Dalton, CFA — 210 N Apopka Ave, Ste 200, Inverness, FL 34450). Established locally through the merger of Principal John Joseph Ceparano's long-standing Inverness CPA and fiduciary wealth practice (Ceparano Financial Group), the Inverness team is led by Principal and Wealth Manager John Joseph Ceparano, CPA/PFS, CFP®, M.TAX (Individual CRD #2582424, advising families for over 30 years) and Senior Financial Advisor Gregory Paul 'Greg' Wheeler, CFP® (Individual CRD #7558720).

Because Modera Wealth Management operates strictly under a conflict-free, fee-only fiduciary structure—never accepting brokerage commissions, insurance finder's fees, or annuity sales loads—retirees across the Villages of Citrus Hills, Terra Vista, Black Diamond Ranch, Sugarmill Woods, Pine Ridge Estates, and Inverness Highlands receive institutional portfolio management integrated directly with Master of Taxation (M.TAX) and Certified Public Accountant / Personal Financial Specialist (CPA/PFS) tax engineering. The team regularly advises retired Duke Energy / Progress Energy Crystal River Energy Complex professionals, Citrus County School District educators, Citrus County Sheriff's Office personnel, and medical staff from HCA Florida Citrus Hospital (502 W Highland Blvd, Inverness) on Florida Retirement System (FRS) Deferred Retirement Option Program (DROP) lump-sum rollovers, corporate pension elections, and 401(k)/403(b) consolidations, as well as SECURE 2.0 RMD sequencing, Roth conversions, and Medicare IRMAA surcharge control.