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At Wealth Care LLC, our goal is to help you achieve your goals and dreams through highly personalized, full-service financial planning and investment management.  As independent, fee-only advisors, we sell no products, make no commissions, and work only for you. 



We understand that life doesn’t just happen between 9-5, so we are here to offer advice when you need it. That means if something comes up and you need an answer on a Tuesday evening, or a Saturday morning, we are not only available to talk, we encourage you to be in touch.

Concierge Service Means You Get the Help You Need, When You Need It

Our Services


We work with people on a long-term basis as partners in achieving the things that are most important to them in life. We provide coordinated financial planning and investment management services, and consulting on areas such as tax planning, asset protection, and estate planning.



While we love to meet with clients in person, we work with many clients on a purely virtual basis.  We work with clients all over the U.S. on comprehensive financial planning and investment management.  


Wealth Care LLC Brochure

Wealth Care LLC Privacy Policy


We are 100% focused on your needs and goals. Your financial plan should revolve around you.


  • Our compensation comes solely from you.
  • We receive no compensation from any product recommendations.
  • We never accept commissions, cross-selling fees, referral fees, or kickbacks.
  • Our firm is a fiduciary to you – meaning that we are always required to act in your best interests.  


We work with clients on a long-term basis providing comprehensive financial planning and investment management.  Our fees are as follows:
  • 1% per year on the first $1 million that we manage for you, with the caveat that our minimum annual fee is $5000 and the maximum fee we will charge on assets under $1 million is $7500 per year
  • .5% per year on the next $1 million that we manage for you
  • .25% per year on assets over $2 million that we manage for you
We will work with younger clients under a lower fee arrangement on a case-by-case basis.

Our Team

Steven D. Podnos  MD, MBA, CFP® Photo

Steven D. Podnos MD, MBA, CFP®

Steven Podnos is the principal of Wealth Care, LLC. After obtaining his MD from the University of Florida, Steven went on to complete a residency and fellowship in pulmonary medicine at the University of Texas Southwestern Medical School. 

After completing his medical training, Steven practiced pulmonary and critical care medicine in Central Florida. During this time, he always had a strong interest in personal finance and managed money for family and friends. After many years, Steven decided to make his passion his career.

Steven went on to earn an MBA and a CFP®, and soon after opened Wealth Care LLC in 2002. Wealth Care LLC is a fee-only Registered Investment Advisor that now advises 130 families nationwide. Steven is a Lieutenant Colonel and Flight Surgeon in the US Air Force Reserve. He was also named as an official CFP Board ambassador in 2014. Steven wrote and published the book “Building and Preserving Your Wealth,” which is available on Amazon.com. 

Rachel E. Podnos  JD, CFP® Photo

Rachel E. Podnos JD, CFP®

Rachel Podnos obtained both her bachelor’s degree and law degree from the University of Florida, where she was a Gator cheerleader. Following law school, she became a member of the Florida Bar and joined a fee-only investment management firm in Bethesda, Maryland.  During this time, she completed her CFP® curriculum at Georgetown University. Rachel joined Wealth Care LLC in 2014 as a financial planner.


Lauren Podnos  CFP® Photo

Lauren Podnos CFP®

Lauren Podnos obtained dual Bachelors degrees in Finance and Marketing from Florida State University.  She studied the CFP®  curriculum at Georgetown University in Washington, D.C. and is a CFP Certificant.  Lauren has worked in the financial industry in both Washington DC and in New York City for institutions such as Fidelity Investments and TIAA.  She joined Wealth Care LLC in 2017 as a fee-only fiduciary financial planner.



Doctors & Dentists

Financial Planning for Doctors & Dentists 

Although we do not limit our practice to medical and dental practitioners, we have unique interests and experience in working with them, from residency through retirement.

Steven Podnos MD CFP was in a full time practice of Pulmonary/Critical Care Medicine for over twenty years, ran a Hospitalist program, and still practices medicine on a limited basis in the Air Force Reserve.

Rachel Podnos JD CFP brings a unique perspective with both legal and financial planning expertise to help review the many legal and liability issues associated with medical and dental practices.

Please see our “In The News” section for many articles addressed at the medical and dental professions. We’d love to hear from you!

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Guiding You To Financial Security

In The News (archived)   

August 25, 2017

Wealth Care LLC's Responses to Jason Zweig's 19 Questions

August 2, 2017

Investopedia - Fake Financial News

August 1, 2017

Thought Catalog - Why Millennials Should Focus Spending On Knowledge, Not Experiences

June 29, 2017

Investopedia - Is a 30 Year Mortgage Your Best Option? 

May 23, 2017

MarketWatch - Are You Financially Sound?

May 1, 2017

Investopedia - What Does Retirement Mean To You? 

April 21, 2017

Investopedia - The Academics of Financial Planning 

April 3, 2017

 US News and World Report - Retirement and Taxes

March 22, 2017

NerdWallet - Millennials and Retirement

March 17, 2017

NY Post - Fed Rate Hike

March 7, 2017

Investopedia - Patience and Risk

February 8, 2017

San Francisco Chronicle - Work Longer

February 6, 2017

Vero Beach Magazine - The Cost of Not Having a Financial Planner

February 5, 2017

Vero Beach Magazine - Choose Your Charity Wisely

February 3, 2017

Investopedia - Asset Protection Through Umbrella Policies

January 17, 2017

Why You Need a Financial Planner - Vero Beach Magazine 

January 16, 2017

USA Today - How To Prepare Financially for Your Death

December 21, 2016

MarketWatch - 21 Things Not To Buy in 2017

December 19, 2016

NerdWallet - Short Answers to Basic Personal Finance Questions

December 14, 2016

MarketWatch - Fed Hike and Credit Cards

November 25, 2016

Washington Post - Trump and the Markets

November 13, 2016 

TIME.com - What To Do If Your Aging Parents Are Going Broke

November 3, 2016

Investopedia - Beating the Market

October 28, 2016

Investopedia - Inflation

October 27, 2016

AARP - Elder Care

October 20, 2016

Investopedia - Why Use A CFP

October 11, 2016

Washington Post - Affording Kids

September 21, 2016 

MarketWatch - Most People Don't Save At All

September 20, 2016

Nasdaq - Don't Worry About Estate Taxes

September 20, 2016

altfi.com -  Avoid Alternatives

September 7, 2016

MarketWatch - Financial Stress

September 6, 2016

NerdWallet - Investing in Emerging Markets

August 12, 2016

MarketWatch - Your Revocable Trust Does Not Provide Asset Protection

August 12, 2016

Nasdaq - Alternatives

July 21, 2016

NerdWallet - Long Term Care Insurance

July 18, 2016

Physician's Practice - The Fed

July 5, 2016

Nasdaq - Trusts and Asset Protection

June 19, 2016

Physician's Practice - Misinvesting

June 12, 2016

Wall Street Journal - Buy and Hold

June 10, 2016

MarketWatch - Estate Planning and Millennials

May 23, 2016

NerdWallet - Whole Life vs Term Life Insurance

May 16, 2016

Physician's Practice - Risk in Retirement

May 10, 2016

NerdWallet - Dental Insurance Is Not Insurance

May 1, 2016

Financial Planning - Longevity

April 22, 2016

Washington Post - College Savings

April 19, 2016

Physician's Practice - Index Funds

April 13, 2016

Huffington Post - When Disaster Strikes a Small Business

March 31, 2016

NASDAQ - Cars and Asset Protection

March 25, 2016

Bloomberg Businessweek - Retiring Boomers

March 21, 2016

Physician's Practice  - Alternatives

March 17, 2016

Think Advisor - Career Changers

March 16, 2016

NASDAQ - Starting A Family

March 16, 2016

Medical Economics - Why You Need a Personal CFO

March 8, 2016

Physician's Practice - Physician Practice Buyouts, Part II

February 12, 2016

Medical Economics - Goals, Not Performance

January 26, 2016

NASDAQ - Protecting Inherited IRA Assets

January 19, 2016

Physician's Practice - Social Security Timing

January 11, 2016

Medical Economics - Federal Reserve 

January 4, 2016

Physician's Practice - Investments Can't Be Treated Like Patients

December 21, 2015

Physician's Practice - Investment Strategies for Retirement

December 16, 2015

Nasdaq - Trusts

December 7, 2015

Physician's Practice - Parents and Health Insurance

November 30, 2015

Medical Economics - Mortgage Refinance

November 23, 2015

Physician's Practice - How Medical Practices Reduce Taxes

November 17, 2015

Medical Economics - Should You Own Real Estate as an Investment?

November 10, 2015

Medical Economics- Value of a Pension

November 6, 2016

Physician's Practice - Will Your Money Last? 

November 2, 2015

Medical Economics - SIMPLE IRAs

October 26, 2015

Physician's Practice - Your Home in Retirement

October 19, 2015

NASDAQ - Retirement Plans for Self-Employed Workers

October 19, 2015

Medical Economics - Like Watching Paint Dry

October 15, 2015

CFP Board - Uncertainty is Unevitable

October 12, 2015

Physician's Practice - The Decreased Cost of Retirement

September 30, 2015

Medical Economics - Resilience in Investing

  September 28, 2015

Physician's Practice - Getting Ripped Off By A Broker

 September 21, 2015

Medical Economics - Fixed Income

September 15, 2015

Wall Street Journal - Morning Trading 

September 14, 2015

Physician's Practice - Medical Costs

September 7, 2015

Medical Economics - Investing and Emotion

September 2, 2015

NerdWallet - Helping Grandchildren

September 1, 2015

Physician's Practice - Contrary Investing

August 29, 2015

Medical Economics - Understanding Your 401k 

August 28, 2015

NerdWallet - Three Insurance Policies You Probably Need

August 17, 2015

Physician's Practice - Maybe You Don't Need Life Insurance?

August 15, 2015

Medical Economics - Asset Protection Issues for Married Physicianst 

August 13, 2015

Think Advisor - China's Confusing Currency Devaluation

August 12, 2015

CFP Board - College Costs

August 3, 2015

Physician's Practice - Why Use a CFP

July 27, 2015

Physician's Practice - Cost of a House

July 20, 2015

Physician's Practice - Inflation and Retirement

July 6, 2015

Physician's Practice - Rising Interest Rates

June 2014

 Wealth Management-Incapacity




March 14, 2017

Active vs Passive

February 13, 2017

How Much House Can You Afford?

January 17, 2017

East to West - Wealth Moving to New Centers

December 20, 2016

Gender and Investing

November 22, 2016

Investing in Cash

October 23, 2016

Real Estate

September 28, 2016

Distribution Rates

August 29, 2016

Buying vs Renting

August 2, 2016

Income in Retirement 

July 5, 2016

Investing in Retirement

June 14, 2016

Exact Numbers

May 17, 2016

Investment Risk

April 19, 2016

Are Annuities a Good Buy?

February 23, 2016

Reading the News 

 January 26, 2016

Adding Risk

December 28, 2015

What does the Fed do?

 December 2015

How To Lose Money Investing

October 2015

Bear Markets

September 2015

Money and Children

August 2015

How Much Life Insurance Do You Need?

July 2015

Invest or Pay Off Debt?

June 2015

The 4% Rule

May 2015

Keep Plans Moving

April 2015

Deferred Annuities

March 2015

Contrary Investing

February 2015

When Can You Completely Avoid Taxes?

January 2015

Immediate Annuities


Lets Get Started Today


We are based in Cocoa Beach, FL and Washington, DC, but work with people nationwide.

You can reach Steven at Steven@wealthcarellc.com or 321-543-1099.

You can reach Rachel at Rachel@wealthcarellc.com or 321-505-7592.

You can reach Lauren at Lauren@wealthcarellc.com or 321-537-7502.