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Our firm

Independent by design. Aligned by principle.

Aggregate Financial Services is an independent, fiduciary registered investment adviser in Navarre, Florida, built to give advisors the freedom to own their practice, and families advice that always answers to them.

What we stand for Get in touch
Why we exist

A firm built around ownership.

Too much of this industry is built to serve the institution first, with the advisor and the client somewhere further down the list. We set out to flip that order.

Aggregate Financial Services was founded on a simple conviction: advisors do their best work when they truly own their practice, and families are best served by advice that has no agenda other than their own. Independence isn't a feature we offer. It's the foundation everything else is built on.

For advisors, that means real freedom: your own brand, your own client relationships, a straightforward payout model, and the freedom to leave at any time without penalty. For the families those advisors serve, it means working with a true fiduciary who is structurally free to recommend what's genuinely right.

We're deliberately built to stay aligned: no parent company pulling in another direction, no proprietary products to push, no incentives that quietly work against the people we serve. Just a clear model, modern tools, and a team that picks up the phone.

Mission & vision

What we're working toward.

Our mission

To empower advisors to grow their business, and the families they serve, through freedom, low cost, and simplicity.

Our vision

An industry where independence is the norm, and where advice always answers to the client.

Our values

The principles behind every decision.

Four values guide how we build the firm, work with advisors, and serve the families who count on them.

Owner Mentality

We treat the business, and every client relationship, as if it's our own, because for the advisors we partner with, it is. Ownership drives how we show up.

Client First

Not a slogan, but a standard we're held to. As fiduciaries, the client's interest comes before our own on every recommendation, every time.

Growth Mindset

We're built to help advisors and families grow, and we hold ourselves to the same standard, always learning and improving how we work.

Simplicity

One clear model. One straightforward agreement. We strip away complexity so the people we serve can focus on what matters.

People, not a platform
When you work with AFS, you reach a partner, not a call center.

We're an independent, founder-led firm. That means real relationships, direct access, and decisions made by people who know your name, not a distant institution. It's the way we'd want to be served, so it's the way we serve.

Leadership

Founder-led, client-first.

AFS was built to be the kind of firm an advisor wants to partner with, and the kind of fiduciary families can count on.

Taylor Retherford
Taylor Retherford
Chief Compliance Officer
Co-Founder & Financial Advisor

A University of West Florida graduate with a background in regulatory compliance, Taylor brings a rigorous, detail-driven approach to advising, centered on lasting relationships and a personalized roadmap for every family he serves.

My journey into the financial sector has been driven by a singular passion: to be of maximum value to the families and friends I serve. This is where I need to be, where my dedication to helping others achieve their goals and educating them on the path to financial success truly comes to life.

My educational foundation was laid at the University of West Florida, where I earned a degree in Healthcare Administration. This academic experience, combined with a career in regulatory compliance within the medical device industry, has honed my ability to navigate complex regulatory landscapes. I've found these skills to be invaluable as I transitioned into the realm of financial advising, guiding friends and families towards securing their financial futures.

At the heart of my practice is a dedication to cultivating meaningful, long-lasting relationships with clients. Recognizing that each individual has distinct financial needs and aspirations, I focus on creating personalized roadmaps that align with your vision for the future. Instead of a one-size-fits-all approach, my nuanced understanding of risk and opportunity empowers you to make well-informed financial decisions.

When I'm not delving into financial strategies, you'll find me spending quality time with my family, rooting for our local sports teams, or staying active with Crossfit. As a life-long learner, I find joy in continuously expanding my horizons. These experiences shape my approach to advising, reminding me that at the heart of every financial plan is a person or family with their own passions, challenges, and dreams.

At a glance

Who we are, in brief.

Est. 2022
Founded to put advisors and families first
Independent RIA
Registered with the State of Florida
Navarre, FL
Independent & locally rooted
Begin the conversation

Let's talk about what's next.

Whether you're an advisor exploring independence or a family looking for advice that answers to you, we'd be glad to talk. No pressure, no commitment, just an honest conversation.

Get in touch