Orlando, FL · CFP™ Certified

Your Financial Future Starts Here

We help you take control of your money, from rolling over your 401(k) to building a full retirement plan. Clear guidance, no jargon.

Book a Free Meeting See Our Services
CFP™ Certified Planner
FINRA Registered & Licensed
In-Person & Virtual Options
Forget Me Not boat, don't lose your 401k

"Sorry honey… where's my 401(k)?"

What we help you with:

  • Roll over your 401(k) or transfer your IRA painlessly
  • Build a personalized retirement plan that fits your life
  • Understand where your money goes and how to grow it
  • Take our financial literacy classes, in person or on Zoom
  • Set short-term and long-term financial goals
(407) 644-4686 · Ext. 106 Mon–Fri 9AM–5PM · Sat by appt.
FINRA / SIPC Member
Kestra Investment Services
CFP™ Certified Advisor
In-Person & Virtual Classes
What's My Risk

What's My Risk?

Understanding your personal risk tolerance is one of the most important steps in building a financial plan that works for you. Watch this short overview to see how we assess risk and match your investments to your comfort level so you can sleep easy at night.

Personalized risk assessment tailored to your life goals
Investment strategy that matches your risk number
Takes just a few minutes. Watch and get started today.
Book a Free Consultation
Events & Classes

Learn, Connect & Plan

Join us in person or on Zoom. From our monthly Life & Taxes event to weekly financial literacy classes, there's always something happening.

Upcoming Event: Life & Taxes

Join Us At
Baldwin Perk Cafè
4833 New Broad St, Orlando, FL 32814

An interactive session designed to help you make informed, tax-smart financial choices through life's milestones. Bring your questions.

1
Tax Efficient Investments
ROTH IRA vs Traditional · 401K, 403B, 457 plans
2
Life Changing Events
Children's accounts · Marriage · Beneficiaries
3
What to Do If...
Capital gains · In-service distributions · Rollovers

Regular Classes

Our financial literacy classes are open to everyone. No background required, no obligation to become a client.

Wednesday Classes

Weekly group sessions covering budgeting, debt management, retirement basics, and investing, all in plain English.

Wednesdays at 1:30 PM In-Person & Zoom

Saturday Advisor Sessions

One-on-one time with an advisor every 3rd Saturday. Bring your specific questions and get personalized answers.

Loading date... In-Person & Zoom
Loading location...

Virtual / Zoom Classes

Can't make it in person? Join the same classes from anywhere in Florida via Zoom. All levels welcome.

Online via Zoom All Levels Welcome
Next Event
May 16th, 2026
10:30 AM – 11:30 AM
In-Person Zoom Available
Zoom Info
Meeting ID
962 8284 7506
Passcode
083457
Join Zoom Meeting

Ready to Join?

Classes are free and open to all. No need to be a client.

Wednesdays · 1:30 PM
3rd Saturday · Loading...
Loading location...
Reserve Your Spot

Or call (407) 644-4686 Ext. 106

What We Offer

Financial Services Tailored to You

Whether you're just starting out or planning for retirement, we have the expertise to guide you.

Start a Financial Plan

Not sure where to begin? We'll sit down with you, understand your goals, and build a clear, custom plan with no pressure and no confusing terms.

Get started →
401k Rollover from Anywhere for Cruisers - Sylvia and Bob Williams, Start Financial Plan

401(k) Rollover & IRA Transfer

Changed jobs? Retiring? We make rolling over your 401(k) or transferring your IRA simple and stress-free, so you don't lose a cent or miss a deadline.

Learn more →

Retirement Planning

We help you figure out how much you'll need, when you can retire, and how to protect what you've built. Your future, made clear.

Plan ahead →

Wealth Management

Investment guidance designed around your risk tolerance and timeline, helping your money work as hard as you do.

Explore options →

Financial Literacy Classes

Group classes every Wednesday at 1:30 PM and Saturdays with an advisor. In-person in Orlando or join on Zoom from anywhere.

View schedule →

Retirement Lifestyle Workbook

A free 19-page guide that walks you through everything you need before your first planning session so we can spend that time on your goals, not paperwork.

What's inside

  • ▸Retirement expectations, concerns & ideal age
  • ▸Lifestyle goals: needs, wants & wishes
  • ▸Investment assets: 401k, IRA, Roth, 529, annuities
  • ▸Social Security, pension & retirement income
  • ▸Insurance, estate planning & risk score
  • ▸Full budget worksheet (current vs. retirement)
Download free PDF →
Free Resource

Retirement Lifestyle
Workbook

Before we build your retirement plan, we need to know what that retirement looks like to you. This free 19-page workbook (powered by MoneyGuide). It helps you collect and organize everything so we can focus the fun stuff: your goals, your dreams, your timeline.

It takes 20–30 minutes to fill out. Bring it to your first meeting and we'll hit the ground running.

Download Free PDF

No email required. No strings attached.

What's covered in the workbook

Retirement Expectations

Ideal retirement age, lifestyle goals, and what worries you most

Lifestyle Goals

Needs, wants & wishes: travel, home, college, bequests, celebrations

Investment Assets

401k, 403b, 457, Traditional IRA, Roth IRA, 529, annuities, brokerage

Retirement Income

Pension, Social Security, annuity income, rental, part-time work

Risk & Insurance

Risk score, life insurance, disability, long-term care, Medicare

Estate Planning

Will, trust, power of attorney, medical directive, beneficiaries

Liabilities

Mortgages, loans, credit cards, equity lines, balances and end dates

Budget Worksheet

Full current vs. retirement expense comparison across every category

The Process

How It Works

Getting started takes just a few simple steps. No complicated forms, no overwhelming paperwork.

1

Book a Free Meeting

Schedule a no-pressure consultation online or by phone. We'll find a time that works for you.

2

Share Your Goals

Tell us where you are today and where you want to be. There are no wrong answers.

3

Get Your Plan

We build a clear, personalized financial plan with steps you can actually follow.

4

Grow With Us

We stay with you, reviewing, adjusting, and supporting you as life changes.

About Us

Meet the People Behind Your Plan

Start Financial Plan was built on one belief: everyone deserves honest, clear financial guidance. We're registered advisors in Orlando, FL. Real people who are invested in your future.

SLW
Sylvia Linares-Williams
CFP™ · Certified Financial Planner

Sylvia is a Certified Financial Planner™ with deep expertise in retirement planning, 401(k) rollovers, and investment strategy. She is passionate about making financial planning accessible and understandable for every family, regardless of where they're starting from. Sylvia leads our financial literacy classes and brings warmth and clarity to every client relationship.

CFP™ Certified Registered Investment Advisor FINRA / SIPC Financial Educator
sylvia@sfmadvisorgroup.com
BW
Bob Williams
Registered Investment Advisor Representative

Bob Williams brings years of experience helping clients in Orlando build and protect their financial futures. Specializing in retirement income strategies, IRA management, and wealth planning, Bob is known for his straightforward, client-first approach. He believes that a great financial plan should feel empowering, never confusing.

Investment Advisor Rep. Retirement Income Planning Kestra IS / Kestra AS IRA Specialist
robert@sfmadvisorgroup.com

Independent & Fiduciary

We're not tied to any single product or company. Our job is to find what's right for you, not what pays us the most commission. That's the fiduciary difference.

Schedule a Consultation
Helpful Resources

Tools & Links We Trust

Retirement Planning

Pension Lump Sum Tool

Fidelity Workplace · Compare pension payout vs. rollover

Empower Retirement Forms

Empower · Rollover and account forms

Social Security Estimator

SSA.gov · Estimate your monthly benefit

Investor Protection

FINRA BrokerCheck

FINRA · Verify your advisor's credentials

Investor.gov

SEC · Free investor education and tools

Verify a CFP™ Professional

CFP Board · Confirm a planner's certification

Tax & Government

IRA Contribution Limits

IRS.gov · Current year limits for all account types

Roth IRA Overview

IRS.gov · Rules, eligibility & contribution details

401(k) Plan Guide

DOL · Dept. of Labor 401(k) resource center
Get in Touch

Let's Talk About Your Future

Schedule a free, no-obligation meeting with Sylvia or Robert. We'll listen, answer your questions, and help you figure out your next step. No pressure..

Hours
Mon–Fri: 9AM – 5PM
Saturday: By Appointment

Send Us a Message