Bryan Meyers
ACM Wealth
Senior Wealth Advisor · ACM Wealth

Clarity Beyond Complexity

A tax-first plan for families, business owners, executives, physicians, and veterans navigating a major financial transition.

Schedule a Private Consultation Read the Latest Thinking
Bryan Meyers, Senior Wealth Advisor at ACM Wealth
25+ Years
In wealth management and private banking
Direct Ownership
Your name, your cost basis. Never a pooled fund
Fee-Only
No commissions. Fiduciary to the relationship, at all times
$13B+
Firm assets under management
20+ Year
GIPS-verified strategy track records
Institutional Team
Former Wall Street & Federal Reserve economists, PhDs and CFAs
No. 72 Nationally
Financial Advisor Magazine, 2026 RIA Ranking
About Bryan

Tax-First, Because the Numbers Only Tell Half the Story

Bryan started his career in PricewaterhouseCoopers' Private Client tax group, then spent more than two decades advising high-net-worth families and business owners, first at Bank of America's Private Bank and Merrill, then at UBS, before founding his practice at ACM Wealth.

That accounting background changed how he looks at a portfolio. He doesn't think about returns by themselves. He thinks about what's left after taxes, what order you draw money in, and how the account is structured in the first place.

"Most advisors are money managers. I look at the whole picture, tax planning, estate planning, retirement income, the whole thing."

Before any of that, there were sixteen years in the U.S. Air Force and Air National Guard. Bryan retired in 2011 as a Master Sergeant, having deployed in support of Operation Enduring Freedom after September 11th. He doesn't talk much about the specifics. He talks about what it taught him, stay calm, make the decision, own what happens next. That's still how he runs a plan when markets get loud.

Fiduciary, at every stage
Not just at the moment of a recommendation. The whole relationship, every time.
U.S. Air Force, 1995–2011
Retired Master Sergeant. Deployed in support of Operation Enduring Freedom.
Institutional team, personal relationship
ACM Wealth's in-house investment team is made up of former Wall Street and Federal Reserve economists, academics, PhDs, and CFAs. You deal with one advisor who directs all of it.
Custody at Schwab and Fidelity
Your accounts stay in your name, at a third-party custodian. ACM never holds your money directly.
What Makes This Different

Two Jobs for Your Money

Most portfolios are built for one job: grow. Once you're living off what you've built, after a business sale, or heading into retirement, your money needs a second job: pay you, without you having to sell anything to do it. Most portfolios were never built for that second job.

01
Individual securities
Your name, your cost basis, your ability to say "don't touch that position." Not a model portfolio, not a pooled fund.
02
Income first
Natural cash flow, dividends, interest, preferred payments. We're never selling principal to create it.
03
Tax-first, always
Every decision gets run through what it costs you, not just what it earns. That's the accounting background talking.
Who I Work With

Focused Expertise, Built Around Who You Are

Families
One household, usually more than one goal, retirement income for you, a secure plan for your spouse, and a clear path for what passes to the next generation. I bring it together into a single coordinated plan instead of separate decisions made in isolation.
— Retirement Income & Legacy Planning
— Multi-Generational Wealth Transfer
— Coordinated Planning for the Whole Household
See how the first conversation works →
Business Owners & Founders
You spent years building value inside your company. The years around the exit are where that value either turns into lasting personal security, or gets eaten by taxes and bad timing.
— Exit & Liquidity Planning
— Tax-Efficient Wealth Transfer
— Life After the Sale
Read: The Founder's Blind Spot at Exit →
Executives & Established Professionals
High income brings its own complexity, equity compensation, deferred comp, tax exposure. I bring it into one coordinated plan instead of a drawer full of separate decisions.
— Equity Compensation Strategy
— Retirement Income Design
— Social Security & Medicare Timing
See how the first conversation works →
Physicians & Clinicians
High income that often arrives a decade later than everyone else, a different debt picture, and retirement timing tied to Medicare and IRMAA thresholds most advisors treat as an afterthought.
— Income Timing & Student Debt
— Medicare & IRMAA Planning
— Restricted & Values-Based Holdings
See how the first conversation works →
Medical Practice Owners & Founders
Running the practice and owning the practice are two different financial pictures. Between partner buy-ins, equipment financing, and an eventual sale or roll-up, the business and the personal balance sheet have to be planned together.
— Practice Valuation & Exit Readiness
— Partner Buy-In/Buyout & Buy-Sell Planning
— Key-Person & Succession Coordination
Read: The Founder's Blind Spot at Exit →
Veterans
A military pension, VA disability compensation, survivor benefit elections, and a second career all have to work together, not get planned separately.
— Pension, Social Security & Second-Career Timing
— VA Disability & Survivor Benefit Elections
— Sixteen Years in the Air Force. This Isn't Theoretical.
See how the first conversation works →
How We Work Together

A Proven Framework for Clarity and Confidence

01
Discovery & Clarity Session
A real conversation. What you're actually trying to accomplish, what's already working, and where the gaps are.
02
The Plan
A tax-aware strategy built around your business, your portfolio, and what retirement actually needs to look like.
03
Implementation
Investments aligned, your CPA and attorney coordinated, reporting simplified into one place.
04
Ongoing Adjustment
Markets move. Life changes. The plan moves with it, not the other way around.
05
The Long Relationship
Most of the real work happens after the first plan is built. That's where the fee actually gets earned.
Insights

Recent Thinking on Exits, Taxes, and What Comes Next

View All Insights →
EXIT PLANNING
The Founder's Blind Spot: Taxes at the Moment of Exit
Most founders spend years optimizing their business. Few spend the same energy optimizing the sale itself.
LIQUIDITY
Liquidity Without a Plan Is Just Expensive Cash
For years, your wealth was tied up in your business. What happens to it the day that's no longer true.
RETIREMENT
The Second Act: Designing Life After Entrepreneurship
For years, your life had a clear structure. The business set it. Retirement doesn't come with one built in.
Frequently Asked Questions

Common Questions

What does it mean to be a tax-first financial advisor?
A tax-first approach means every investment and planning decision is evaluated by what it costs in taxes, not just what it earns. I build portfolios of individual securities rather than pooled funds so clients can see exactly what they own, manage capital gains deliberately, and coordinate investment decisions with their broader tax and retirement income plan.
Who do you work with?
I work with families, business owners and founders, executives and established professionals, physicians and clinicians, medical practice owners, and veterans, nationally, typically around a major financial transition such as a business sale, retirement, or a high-income career stage.
Are you a fiduciary?
Yes. I'm a fee-only fiduciary advisor with ACM Wealth, meaning I don't earn commissions and I'm held to a fiduciary standard across the full relationship, not only at the moment of a recommendation.
What's the difference between individual securities and pooled funds?
Individual securities are held directly in your own name with your own cost basis, so you can see exactly what you own and make deliberate, tax-aware decisions about any single position. A pooled fund, like a mutual fund or ETF, is a basket managed to its own mandate on its own schedule, which can create taxable events you didn't choose the timing of and limits your ability to respond to changing markets or your own tax situation.
Do you work with clients outside of Florida?
Yes. I'm based in Northeast Florida, and I serve clients nationally, in any jurisdiction where ACM Wealth is registered to provide services.

Not Ready to Schedule a Call?

Start with the checklist I actually use with clients three to five years out from a sale: seven questions worth asking before you sign anything.

No spam. Unsubscribe anytime.

Ready to Simplify the Complex?

Whether you're approaching a sale, already retired, or just tired of carrying this alone, clarity starts with one conversation.

Schedule a Private Consultation
Or call 904-738-1988