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John J. Ceparano, CPA/PFS, CFP®, M.Tax

Principal & Wealth Manager

Home|Contact an Adviser|Inverness, FL Modera Financial Planners|John J. Ceparano, CPA/PFS, CFP®, M.Tax
John J. Ceparano, CPA/PFS, CFP®, M.Tax2020-04-01T21:19:43+00:00
John J. Ceparano CPA/PFS, CFP®, M.Tax

John provides advice to high net worth individuals, families, businesses, nonprofit organizations, and fiduciary clients in all areas of their investment and wealth management needs. 

Professional Designations

Certified Public Accountant/Personal Financial Specialist™, CERTIFIED FINANCIAL PLANNER™, Master of Taxation


Florida Atlantic University, Master of Taxation

St. John’s University, B.S., Accounting, minor in Economics


Board of Directors of the Boys & Girls Club of Citrus County

Citrus County Rotary Club

Trinity Catholic High School Strategic Long-Term Planning Committee

Giving Back

Redoing the Club House

John Ceparano serves as a member of the Board of Directors for the Boys and Girls Club of Citrus County. In 2018, he helped secure a $180K state grant to refurbish the local facility.

Discover How Modera Gives Back

What do you value most in your client relationships?

The open dialogue that develops as clients become friends. They know we will be there at every step of their life journey and they share these sentiments.  Sometimes it’s simply with a smile and many times it comes with a big hug. Helping people make the decisions that provide them with the peace of mind that their future is bright, and that we’ll also be there to guide them through any rough periods.

What’s the one thing people say you’re best at?

Helping people to organize their priorities and simplifying things that are complex, to give them confidence when making decisions for their future.  And making them aware of the things they wouldn’t have thought to ask, let alone need to address.

How do you do good in your community?

I enjoy being involved with the Boys & Girls Club and Rotary and all their fundraisers.  It is great to see people come out to support the community and develop new friendships.

Where did you grow up? Where do you live now?

I grew up on Long Island. I now live on the beautiful nature coast of west Florida and spend 12 months out of the year able to enjoy the outdoors.

John’s Insights

Why Every Business Needs a Financial Adviser

Many clients come to Modera needing help with their personal financial lives. But a great number of our clients are also independent entrepreneurs, small business owners, or medical professionals who own a private practice. And although they typically have CPAs, bookkeepers, and business attorneys to help them compute their taxes, cut the checks, and deal with legal issues, they may not be addressing the bigger picture and the common financial challenges involved with business ownership.

Good to Know|

Planning Checklist for Those You Care About Most

This checklist was created to help you organize your affairs. Your individual situation will dictate other items which may need to be addressed. We suggest discussing your plans with the executor of your will as well as consulting with your legal, financial, and tax advisers. The time to get these professionals involved is before an event occurs – plan ahead.

Good to Know|

Modera Financial Planning & Wealth Management
221 W. Main St., Suite A, Inverness, FL 34450
(352) 746-4460