About the firm
A private-wealth practice built on what most plans leave out.
Hidden Gems Financial has been advising individuals, families and business owners since 2015 from Orlando, Florida. We work on the parts of a financial life that determine what actually happens to it: control, liquidity, privacy and transfer.
Our mission
Guiding you toward the right coverage and the right structure.
We believe in quality coverage, direct service, and long relationships with the families we work for. When you take out protection, personal or business, you deserve an advocate who properly assesses the risks you face and gives you a clear analysis of your options. The final choice is always yours to make.
Much of our work is with people the financial industry has historically found it easier to overlook. Not because their situations are simpler, but because they are less familiar. Explaining a structure carefully to someone encountering it for the first time takes longer than selling a product to someone who already knows the vocabulary. We think that time is the job.
Protect your wealth. Preserve your legacy. Create more financial control.
How we practise
Four commitments we hold ourselves to.
- 01
Every client situation is genuinely different
The legacy of this practice is a refusal to apply a template. Two families with identical balance sheets can need opposite structures, because what they are trying to protect is different. We start by understanding the situation before anything is proposed.
- 02
Advocacy, not order-taking
Our job is to assess the risks you actually face and lay out your options honestly, including the option to do nothing. The decision stays yours, made with a clear view of what each choice costs and commits you to.
- 03
Access to what is usually reserved
Private-wealth strategies are frequently presented as though they require a certain balance sheet to be worth discussing. Much of the time that is a marketing choice rather than a mathematical one. We explain these strategies to anyone for whom they might genuinely fit.
- 04
Long relationships over transactions
A plan built once and never revisited stops describing your life within a few years. We would rather have fewer clients we review regularly than a larger book we never speak to again.
The practice
Wayne M. Carr
Founder & Chief Executive Officer
Wayne M. Carr founded Hidden Gems Financial in 2015 to bring private-wealth thinking to people who are rarely offered it: families building their first real balance sheet, business owners with capital tied up in an operating company, and professionals who have accumulated assets without ever being shown how the pieces fit together.
His work centres on the strategies conventional planning tends to skip: how wealth is held, not just how it is invested; how liquidity is created without dismantling what you have built; and how assets pass to the next generation on purpose rather than by default.
Why clients choose us
A practice built around the questions other plans skip.
We are an independent, founder-led firm. That shapes what we can say to you and how we say it.
- 01
We name the trade-offs
Every strategy on this site is published with its drawbacks alongside its benefits: surrender charges, funding commitments, what happens if you stop, where a product is the wrong answer. A recommendation you cannot argue with is not a recommendation; it is a sales pitch.
- 02
We coordinate rather than compete
If you already have an attorney, a CPA or an investment adviser you trust, keep them. Plans usually fail in the gaps between professionals, not inside any one of them. That gap is where we work.
- 03
Education before product
You should be able to explain your own strategy to someone else before you commit to it. If a concept cannot be explained in ordinary language, that is a problem with the concept, or with how it is being sold.
- 04
Founder-led since 2015
Hidden Gems Financial has been advising families and business owners since 2015 under the same leadership. You work with a practice, not a call queue.
Where we work
Based in Orlando. Working wherever we are licensed.
Based in Orlando, Florida. Serving clients in person locally and remotely nationwide. Insurance and annuity products are state-regulated, so what is available to you depends on where you live. Tell us your state and we will confirm what we can do before discussing anything specific.
Office
7308 Greenbriar Parkway
Orlando, FL 32819
Start here
Start with a conversation, not a recommendation.
Tell us where you are and what you are trying to protect. Nothing is proposed until we understand the situation.
- Call directly
- 813-563-2322
- Hours
Monday – Friday: 8:00 AM – 6:00 PM ET
After hours: On call 24/7
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Important disclosure
Provided for general education only. This material is not individualised financial, legal or tax advice, and no strategy is suitable for every situation. Any decision should be made with your own qualified professionals and reflect your specific circumstances.