Independent Registered Investment Adviser Since 1999

Financial Advisors In Orlando, Florida

A coordinated advisory team helping Central Florida families, professionals, and retirees build one plan with one point of accountability.

Request A Private Strategy Session Prefer to talk now? Call 407-248-9647

Since 1999Independent Orlando RIA

CFP^®Certified Financial Planner Team

Southwest Orlando6000 Turkey Lake Road, Suite 212

FINRA/SIPCSecurities Through Osaic Wealth, Inc.

Choosing An Advisor Is A Decision About Accountability

The hard part of hiring a financial advisor is rarely the arithmetic. It is knowing which standard of care governs the advice, how the person is compensated, and whether the relationship is built to hold up across the decades a plan is meant to cover. McDonough Capital Management is an independent Registered Investment Adviser that has served Orlando households since 1999, and our advisory recommendations are made in your best interest.

Just as consequential is continuity. Here, one coordinated team prepares your plan, manages the portfolio, and takes your call, so accountability sits with people you know by name rather than a queue that reassigns you each year. The sections below introduce the advisors you would work with, show how an engagement is structured, and answer the questions worth asking before any first meeting.

Why The Numbers Behind Your Plan Are Moving

Several of the thresholds an Orlando household plans around changed for 2026. The figures below come from the IRS and current federal law, and each one shifts a decision worth getting right the first time.

$24,500

2026 Employee 401(k) Contribution Limit

The elective deferral limit rose to $24,500 for 2026. How much to route through a workplace plan, and whether pre-tax or Roth, is a decision that compounds for decades, and it interacts with everything else in the plan.

IRS Notice 2025-67; IR-2025-111

$15 Million

2026 Federal Estate And Gift Exemption

Set at $15 million per person for 2026 and indexed thereafter, so $30 million for a married couple. Well below that line, the planning question shifts from tax exposure to titling, beneficiaries, and how assets pass to the next generation.

IRS; One Big Beautiful Bill Act, IRC Sec. 2010(c)(3)

$8,000

Age 50+ 401(k) Catch-Up For 2026

Savers 50 and older can add $8,000 on top of the standard limit, bringing the total to $32,500. In the decade before retirement, using that runway well can change the shape of the income plan that follows.

IRS Notice 2025-67

40%

Top Federal Estate-Tax Rate

Above the exemption, the federal estate-tax rate reaches 40 percent. For families approaching the threshold, coordinating gifts, trusts, and account titling with your attorney is where the real work happens.

IRC Sec. 2001(c); Internal Revenue Service

Figures are current as of the sources cited and are subject to change. This is not tax or legal advice. Please consult a qualified tax or legal professional regarding your circumstances.

What Our Orlando Advisors Help With

The plan comes first. Each service below exists to move that plan forward, and each one links to a page that goes deeper.

Retirement Planning

Two questions decide most retirements: when you can stop working, and how a lifetime of savings becomes a steady paycheck. We help you answer both with confidence.

Plan Your Retirement Income

Investment Planning

An allocation is only right if it matches the risk you can live with and the goals it serves. We build one to fit, then keep watch on protecting what you have earned.

Review Your Investment Approach

Tax Planning

The goal is a smaller tax bill over your lifetime, not just this filing. Working with your CPA, we look for the moves that quietly add up across the years ahead.

Explore Tax Strategy

401(k) Management

How should your workplace plan be invested, and what happens to the one from your last job? We help Central Florida employees answer both and decide when a rollover fits.

Manage Your Workplace Plan

Estate Planning

The aim is simple: the right assets reach the right people with the least friction. We line up your beneficiaries, account titling, and attorney’s documents so all three agree.

Coordinate Your Legacy

Roth Conversion Strategies

Converting can reward you for years or cost you if the timing is off. We weigh the tax due now against the tax saved later before you commit to a single dollar.

Model A Conversion

Financial Second Opinion

Already working with someone and want an honest gut check? Bring your current plan for a straight read on whether it still fits, with no pressure to move a thing.

Get A Second Opinion

Our Process

Curious what comes after the first call? Follow the path from that conversation through building the plan, putting it to work, and reviewing it, so nothing is a surprise.

See How We Work

Meet The Advisors Behind Your Plan

An advisor relationship is only as good as the people in it. Ours is a small, tenured team, and the same advisors who build your plan are the ones you call with a question.

McDonough Capital Management has been an independent Registered Investment Adviser since 1999, operating from Turkey Lake Road in Southwest Orlando. Ed McDonough started in this business in 1987. Camie Nguyen has been with the firm since 2006.

Independent Since 1999

The firm was established as a Registered Investment Adviser in Orlando in 1999. Independence means advisory recommendations are made in your best interest rather than to satisfy a product quota.
CERTIFIED FINANCIAL PLANNER™ Professionals

Both Ed and Shannon McDonough hold the CFP® certification. Ed also holds the Series 65 along with Life, Health, and Variable insurance licenses.
Rooted In Southwest Orlando

Our office is on Turkey Lake Road and our advisors live in the communities they serve. Meetings happen face to face, and much of our growth has come by client referral.
Coordinated, Not Fragmented

Investments, retirement income, tax strategy, and estate coordination are managed together by a team that shares one office and one plan for each client.

Edward A. McDonough, BSME, MBA, CFP®

Founder / Chief Investment Officer

Working with clients and investments since 1987 and founder of the firm in 1999. A Lehigh University engineering graduate with an MBA in Finance, he focuses on helping clients accumulate and preserve wealth with attention to risk tolerance and tax efficiency. Holds the Series 65 and Life, Health, and Variable insurance licenses.

Shannon McDonough, MBA, CFP®

Wealth Advisor

Leads day to day client planning, specializing in equity compensation plans, forward-looking tax strategies, and retirement income plans. Crummer Graduate School MBA, with CFP®, SIE, and Series 65, 7, and 63 registrations.

Camie Nguyen

Investment Advisor / Senior Operating Officer

More than 27 years of investment, research, compliance, and accounting experience, with the firm since 2006. Leads portfolio trading and compliance, holds a Series 65, and graduated from Portland State University with degrees in Accounting and Finance. Not registered with Osaic Wealth.

Samantha Mosca

Operations & Client Relations

Focuses on client engagement, relationship management, and resolving operational questions. Earned a Bachelor of Business Administration from the University of Central Florida.

Areas We Serve

Our office in Southwest Orlando is minutes from Dr. Phillips and the Bay Hill corridor. We meet clients face to face here and work with households throughout the greater Orlando metro.

Orlando
Winter Park
Windermere
Dr. Phillips
Lake Nona
Winter Garden
Maitland
Apopka
Altamonte Springs
Celebration
Oviedo
Kissimmee

McDonough Capital Management
6000 Turkey Lake Road, Suite 212
Orlando, FL 32819

407-248-9647 · Toll-Free: 800-741-0380 · mcm@mcdonoughcapital.com

Request A Private Strategy Session

If you want a clear, coordinated plan for your investments, your retirement income, and the tax decisions that connect them, we would welcome a conversation. Share a few details and we will reach out to schedule a time that works for you.

6000 Turkey Lake Road, Suite 212, Orlando, FL 32819

Prefer to talk now? Call 407-248-9647 Or book directly on our calendar

Name Phone Number Email How Can We Help

Tell Us More

Securities offered through Osaic Wealth, Inc., Member FINRA/SIPC. Advisory services offered through McDonough Capital Management. McDonough Capital Management is not affiliated with Osaic Wealth, Inc. Submitting this form does not create an advisory relationship.

Frequently Asked Questions

How Do I Choose The Right Financial Advisor In Orlando?

Start by confirming how the professional is registered and what standard of care applies to their advice, then look at whether you would work with a consistent team or a rotating contact. Ask how they are compensated, how often you would meet, and how planning and investment decisions are coordinated. McDonough Capital Management is an independent Registered Investment Adviser that has served Orlando since 1999, and our advisory recommendations are made in your best interest.

What Should I Bring To A First Meeting With An Advisor?

A useful first meeting usually covers your goals, current account statements, a recent tax return, any employer retirement or equity compensation details, and a rough sense of your income needs and timeline. Nothing is required to start a conversation. The first meeting is about understanding your situation and deciding whether the fit is right before any plan is built.

What Does It Mean That McDonough Capital Management Is An Independent RIA?

Independent means the firm is a Registered Investment Adviser that is not owned by a bank, insurer, or fund company, so advice is not tied to a proprietary product shelf. The firm has operated independently in Orlando since 1999. Securities are offered through Osaic Wealth, Inc., member FINRA/SIPC, while advisory services are offered through McDonough Capital Management, which is not affiliated with Osaic Wealth, Inc.

Will I Work With The Same Advisor Over Time?

Yes. The firm is built around a small, coordinated team, so the people who prepare your plan, manage your portfolio, and answer the phone stay consistent. That continuity is one reason many client relationships here span decades, and it is a key difference between a boutique advisory team and a larger firm where your contact may change.

Do I Need To Live In Orlando To Work With The Firm?

Many clients are based in Southwest Orlando and across Central Florida, and the office on Turkey Lake Road makes in-person meetings easy. Working relationships can also be maintained by phone and video for clients elsewhere in Florida. The best next step is a short conversation to see whether the firm is a good match for your needs.

What Credentials Do The Advisors Hold?

The team includes CERTIFIED FINANCIAL PLANNER^™ professionals, and individual licenses and registrations are detailed on each advisor’s profile. Founder Edward A. McDonough holds the CFP^® certification and has worked with clients since 1987. You can review each advisor’s background on the Meet the Team page.