Retirement Planning Built on Research.
Relationships Built on Trust.

At Moffat Advisory Group, we believe great retirement planning begins with understanding your goals, applying evidence-based strategies, and building lasting relationships rooted in trust. Every recommendation we make is designed to help you make informed decisions with confidence and enjoy the retirement you’ve worked so hard to achieve.

Frequently Asked Questions

Meet the people behind Moffat Advisory Group and the philosophy that guides every client relationship.

Our Founders

At Moffat Advisory Group, we understand that your wealth is not just a number on a page; it represents a lifetime of hard work, sacrifice and the legacy you want to leave for your loved ones. When you walk through our doors, we treat you as an extension of our own family.

Joseph Moffat

Joseph Moffat,

Founder & Chief Retirement Strategist

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Zarina Moffat

Zarina Moffat,

Co-Founder & Chief Financial Officer

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Kristen Schultz

Kristen Schultz,

Executive Financial Operations Director

See Bio

Frequently Asked Questions

Answers You Can Trust from Advisors Who Care

What makes Moffat Advisory Group different?

We believe retirement planning should begin with understanding your goals—not selling products. Our recommendations are grounded in evidence-based retirement research, decades of real-world experience, and a commitment to helping you make informed decisions with confidence. Every family is different, which is why every plan should be, too.

Why should I choose an independent advisory firm?

Independence allows us to recommend strategies based solely on what’s in your best interest. We are not limited to proprietary products or a single company’s solutions. Instead, we remain free to evaluate a wide range of planning options and collaborate with nationally respected specialists when additional expertise is needed.

What does it mean that you’re an independent firm?

It means our advice isn’t confined to one company’s products or services. We believe clients deserve access to the right expertise—not simply the expertise that happens to exist under one roof. That’s why we regularly coordinate with estate planning attorneys, CPAs, Certified Trust and Fiduciary Advisors (CTFAs), and other professionals to help create well-rounded strategies.

Do you work with clients throughout the United States?

Yes. While our office is located in Florida, we work with clients across the country through secure virtual meetings, phone consultations, webinars, and in-person appointments when appropriate.

Can we work together if I don’t live in Florida?

Absolutely. Many of our clients live outside Florida. We have developed systems that allow us to provide the same level of communication, planning, and service regardless of location.

Do you work with my CPA or attorney?

Absolutely. We believe the best outcomes come from collaboration. We regularly coordinate with our clients’ trusted professionals to help ensure every aspect of their financial, tax, legal, and estate plans works together.

Our Process

What happens during the first meeting?

Our first meeting is focused on understanding you. We’ll discuss your goals, concerns, current financial picture, retirement income sources, and what you want your retirement to look like. It’s an opportunity for both of us to determine whether we’re a good fit.

Is there a cost for the first consultation?

No. Your initial consultation is complimentary and designed to help you better understand your options before making any decisions.

Do I have to move my money to work with you?

No. Many people come to us simply for a second opinion or to review their current retirement strategy. If changes make sense, we’ll explain why and allow you to decide how you’d like to proceed.

What should I bring to my first appointment?

Bring any financial statements, retirement account information, pension details, Social Security estimates, insurance policies, estate planning documents, and a list of questions or concerns. The more complete the picture, the more valuable our discussion will be.

Retirement Planning

How do I know if I have enough to retire?

That depends on much more than your account balance. We evaluate your income sources, spending needs, taxes, healthcare costs, inflation, longevity, and legacy goals to determine whether your retirement plan is sustainable.

How do you help create dependable retirement income?

We develop personalized income strategies designed to provide confidence throughout retirement by coordinating Social Security, pensions, retirement accounts, guaranteed income sources, and investment assets in a tax-efficient manner.

What happens if the market declines after I retire?

Market declines can have a much greater impact during retirement than during your working years. We help clients reduce unnecessary risk by creating strategies that provide income while helping protect long-term assets from sequence-of-returns risk.

Can you help reduce taxes in retirement?

Yes. Tax planning is an important part of retirement planning. We help clients evaluate strategies such as Roth conversions, tax-efficient withdrawals, charitable giving, and Required Minimum Distribution planning, while coordinating with their tax professionals.

Medicare & Long-Term Care

Do you help with Medicare?

Yes. Medicare planning is one of our specialties. We help clients understand Medicare Supplements, Medicare Advantage plans, prescription drug coverage, enrollment timelines, and other important decisions.

Can you help prepare for long-term care expenses?

Yes. We help clients evaluate multiple strategies for managing long-term care risk, including insurance solutions, asset protection strategies, and income planning designed to preserve financial independence.

High-Net-Worth Planning

Do you work with high-net-worth and ultra-high-net-worth families?

Yes. We regularly work with families whose planning needs extend beyond traditional retirement planning. Our role is to coordinate sophisticated strategies involving wealth preservation, tax efficiency, estate planning, charitable giving, trust planning, and multigenerational legacy planning.

How do you coordinate with estate planning attorneys and CPAs?

We believe complex planning requires collaboration. We work alongside experienced attorneys, accountants, trust specialists, and other professionals to help ensure every aspect of your plan is aligned with your long-term goals.

Educational Dinner Events

What can I expect at one of your educational dinner events?

Our educational dinner events are designed to provide practical retirement education in a relaxed, comfortable setting. You’ll enjoy a complimentary meal while learning about topics such as retirement income planning, taxes, Medicare, market risk, and legacy planning.

Is the event a sales presentation?

No. Our goal is to educate first. We believe informed people make better financial decisions. If you’d like to continue the conversation afterward, we’re happy to schedule a complimentary consultation.

Is there any obligation to become a client?

None whatsoever. We encourage attendees to ask questions, learn something valuable, and decide for themselves whether they’d like to explore working together.

Can I bring my spouse or a guest?

Absolutely. In fact, we encourage couples to attend together whenever possible so everyone hears the same information and can make informed decisions as a team.

Working With Us

Will I work directly with Joseph Moffat?

Yes. Joseph is actively involved in developing retirement strategies and meeting with clients. You’ll also have the support of our experienced team to help ensure timely communication and exceptional service.

Who else on your team will I work with?

Depending on your needs, you’ll work with Joseph, Zarina, Kristen, and other members of our team throughout the planning and implementation process. We believe exceptional client service is a team effort.

How do I get started?

The easiest way to begin is by attending one of our educational dinner events or scheduling a complimentary consultation. We’ll take the time to understand your goals, answer your questions, and determine whether we’re the right fit for your retirement planning needs.

Ready to Take the Next Step?

Whether you’re preparing for retirement, already retired, or simply looking for a second opinion, we’re here to help you make informed decisions with confidence.

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Joseph Moffat

For more than 30 years, Joseph Moffat has dedicated his career to helping individuals and families navigate one of life’s most important transitions: retirement. His philosophy is simple: every recommendation should help clients make more informed decisions with greater confidence.

Rather than beginning with products, Joseph begins with planning. As a lifelong student of retirement income research, he continually studies the work of leading economists and retirement scholars, including Dr. Wade Pfau, Dr. Michael Finke, Dr. David Babbel, Dr. Olivia Mitchell, and others whose research has helped shape modern retirement planning. By combining evidence-based research with decades of real-world experience, he develops personalized strategies designed to generate dependable retirement income, reduce unnecessary taxes, preserve wealth, and help clients confidently enjoy the retirement they’ve worked so hard to achieve.

Joseph believes the success of a retirement plan isn’t measured by the size of an investment portfolio alone. It’s measured by the confidence to live the life you’ve imagined. One of the greatest risks he sees isn’t simply running out of money—it’s reaching the end of life wishing you had experienced more because uncertainty kept you from enjoying what you’d earned. His goal is to help clients protect their financial future while giving them the confidence to fully live in the present.

His areas of focus include retirement income planning, tax-efficient distribution strategies, Roth conversions, Medicare planning, long-term care planning, legacy planning, and identifying planning opportunities that others often overlook.

As his practice has evolved, Joseph has expanded his work to include advanced planning for high-net-worth and ultra-high-net-worth families. He intentionally built Moffat Advisory Group as an independent firm because he believes clients deserve access to the right expertise—not simply the expertise that happens to exist under one roof. Rather than relying on in-house professionals, he collaborates with a carefully selected network of nationally respected estate planning attorneys, tax professionals, Certified Trust and Fiduciary Advisors (CTFAs), valuation experts, insurance specialists, and other subject matter experts. His role is to bring those professionals together into a coordinated strategy tailored to each family’s goals, values, and legacy. Independence allows him to assemble the best team for every client, ensuring recommendations are driven by what’s best for the family—not by the limitations of a single firm.

Joseph’s commitment to integrity, service, and doing what’s right for others has been shaped by a lifelong belief that trust is earned through honesty, preparation, and always placing clients’ interests first. His Christian faith remains the foundation of his personal life and is reflected in the humility, compassion, and sense of responsibility he brings to every relationship.

Outside the office, Joseph enjoys life with his wife and business partner, Zarina, and their three children, Sophia, Liv, and Nazar. Together they enjoy boating, hiking, camping, traveling, and spending time outdoors. They are active members of Grace Family Church, and when Joseph isn’t meeting with clients or studying the latest retirement research, you’ll often find him behind a drum set or attending a live concert.

The greatest measure of a successful retirement isn’t what you leave behind. It’s the life you have the confidence to live along the way.

Zarina Moffat

Zarina Moffat’s story is one of resilience, determination, and entrepreneurship. Her journey from Kazakhstan to becoming a business owner in the United States reflects the same perseverance and work ethic she brings to every client relationship.

Raised in Kazakhstan during the final years of the Soviet Union, Zarina experienced firsthand the challenges of growing up with limited resources and economic uncertainty. After earning her engineering degree, she pursued opportunities abroad before ultimately immigrating to the United States in search of greater opportunity and the chance to build a better future.

Like many first-generation immigrants, Zarina began her American journey doing whatever work was necessary while learning a new language and adapting to a new culture. Her determination and entrepreneurial spirit eventually led her into the transportation industry, where she built a trucking and logistics company from a single truck into a successful business operating a fleet of 13 trucks serving customers across the country.

After marrying Joseph, the two made the intentional decision to sell the trucking company and build something together that reflected their shared values and long-term vision. Zarina immersed herself in the financial services industry, earned her insurance licenses, and became a driving force behind the growth of Moffat Advisory Group. Today, she plays a vital leadership role in the firm’s operations, financial management, and client experience, helping ensure every family receives the same level of care and attention that has become the hallmark of the firm.

Zarina also leads Moffat Advisory Group’s outreach to the Russian-speaking community, serving hundreds of families throughout the Tampa Bay area and beyond. Fluent in both Russian and English, she has become a trusted resource for clients seeking guidance with Medicare, health insurance, life insurance, and retirement-related planning. Her ability to explain complex topics with patience and clarity has earned the confidence of a community that often faces language and cultural barriers when navigating the American healthcare and insurance systems.

Outside the office, Zarina enjoys spending time with Joseph and their three children, Sophia, Liv, and Nazar. Together they enjoy traveling, boating, hiking, camping, and making memories outdoors with family and friends. Her Christian faith, entrepreneurial spirit, and genuine desire to help others continue to shape the way she serves both her family and the clients of Moffat Advisory Group.

Zarina believes that every family’s story is different, and every client deserves to be treated with the same respect, compassion, and personal attention that she would want for her own family.

Kristen Schultz

Kristen Schultz serves as Executive Financial Operations Director at Moffat Advisory Group, where she oversees the day-to-day operations that help ensure every client enjoys an exceptional experience from their first interaction with the firm through ongoing service.

With a background in accounting and finance, Kristen brings more than a decade of professional experience in financial operations, organization, and client service. She earned her degree in Finance and Accounting from Sam Houston State University and holds her Florida 2-15 Health and Life Insurance License.

After stepping away from her career to spend several years at home raising her son, Lincoln, Kristen returned to the profession with a renewed appreciation for the importance of family, relationships, and meaningful work. She joined Moffat Advisory Group because she believes exceptional client service begins long before financial recommendations are made—it begins with trust, communication, and making people feel genuinely cared for.

Kristen oversees client operations, marketing coordination, educational dinner events, and the systems that keep the firm running smoothly. She serves as a primary point of contact for many clients, working closely with Joseph and Zarina to ensure every detail is handled with professionalism, efficiency, and care. Whether coordinating an event, answering questions, or guiding clients through the implementation process, Kristen is committed to making every interaction feel organized, welcoming, and personal.

One of Kristen’s greatest strengths is her ability to step back, see the bigger picture, and approach challenges with both thoughtfulness and independence. She brings her own perspective to every decision, helping the team continually improve the client experience while maintaining the high standards that define Moffat Advisory Group.

Originally from Texas, Kristen enjoys traveling, spending time with her son, Lincoln, following his football and soccer activities, and exploring her interest in fine jewelry and design. Her faith, integrity, and genuine care for others are reflected in the relationships she builds with both clients and colleagues.

Kristen believes that every client deserves to feel heard, respected, and confident from the very first conversation—and she works every day to make that experience a reality.