I’m Jared Cales, founder of Phileo Advisory Group, and I believe financial planning is most powerful when it’s deeply personal.
Growing up, money wasn’t something we talked about—my father, a small business owner, defined success not by profit, but by how well he could care for his family. Though he worked hard, he didn’t have a financial planner to guide him through saving, investing, or reducing taxes. That experience shaped my belief that financial planning should be accessible, thoughtful, and centered on the people it serves.
Today, I help individuals nearing or in retirement build tax-efficient retirement plans that reflect not just their goals—but their values.
After 10 years in the industry and nearly 4 years as a business owner, I’ve learned that retirement isn’t just about numbers—it’s about clarity, confidence, and protecting the life you’ve built. What makes my approach different is that I start each conversation by exploring what money truly means to you.
Before diving into account balances or investment strategies, I take time to understand your values, goals, fears, and how your wealth fits into your life. Only then do we begin to design a customized plan—for your income, taxes, investments, legacy, and beyond.
At Phileo Advisory Group, I offer holistic financial planning with a special focus on:
My clients are typically age 50+, preparing for or already living in retirement, and looking for guidance on how to make their money last while reducing taxes and avoiding costly mistakes.
“Phileo” is one of the original Greek words for love. It refers to a deep, personal love—like what you’d have for a close friend or family member. That’s the kind of relationship I aim to build with every client: one rooted in trust, honesty, and genuine care.
I’m licensed with a Series 65 and FL 2-15, and act as a fiduciary when offering investment advice. While I’m also an insurance agent, and not always held to the fiduciary standard when recommending insurance, I am held to a Best Interest standard—and I treat that responsibility seriously.
I currently work solo to maintain the trust and continuity my clients value, but I plan to expand into a small family office over time while continuing as the lead advisor.
I serve retirees across Northeast Florida and Southern Georgia, including Fernandina Beach, Yulee, and beyond.
Giving back to the community is part of my calling. I serve on the Board of Directors for Amelia Lifelong Learning, where I teach retirement readiness classes each spring and fall. I’ve also presented to major companies like Landstar and UPS, helping their employees plan smarter for retirement.
I met my wife Brittany in 2008, and we married in 2011. We have a beautiful daughter, Amelia, and we’re active members of Mercy Hill Church in Yulee, FL. I strive to serve my clients with the same grace and care that guide my life and faith.
In my free time, I enjoy boating, fishing, and golfing—and I’m training toward my goal of qualifying for the Boston Marathon.
