John D. Fromularo,  CFP<sup>&reg;</sup> - Financial Advisor

John D. Fromularo, CFP®

First Vice President-Investments

Wells Fargo Advisors

501 Commendencia St, Ste 2
Pensacola, FL 32502
(866) 715-4793
(850) 439-4052


John Fromularo is a CERTIFIED FINANCIAL PLANNER™ professional and member of the Financial Planning Association. Serving clients at Wells Fargo Advisors in Pensacola, FL and the surrounding communities.

Financial Advisor Overview

As a CERTIFIED FINANCIAL PLANNERTM professional, my focus is to help you make informed decisions about your goals and investments. Our EnvisionSMprocess helps guide you through ever changing conditions by stress-testing your investment strategy.** As a financial advisor, I will talk with you about your short and long term investment goals and learn how to priortize them with you. Then, taking into account your risk tolerance, I will use our investment process to assess the impact that different hypothetical market environments would have had on you achieving your goals. EnvisionSM is designed to provide a sophisticated road map to help you reach your investment goals. My job is to help keep you on track. Listed below are some of the typical areas of need that I support. We serve individuals and businesses in all areas of investment planning, including: • Retirement planning - Help making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement. • Tax management* - Help making sure your portfolio is tax-efficient. Referring you to qualified tax specialists. • Estate planning* - Working with our estate-planning and trust specialists to review your wills and trusts, help preserving your estate for your intended heirs, help with beneficiary designations, reduce potential exposure to estate taxes and probate costs and coordinate with your tax and legal advisor's. • Education funding - Recommending investment and accumulation strategies to help you pay for your children's education. • Risk management - Reviewing existing insurance policies. • Investments - Determining your asset-allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach your goals. • Employee and executive benefits - Helping your business attract and retain qualified employees through benefit packages. *Wells Fargo Advisors is not a tax or legal advisor. **Unlike financial planning, Envision does not include a detailed analysis of insurance, real estate investment or savings strategies. It also does not cover estate and tax planning.


Financial Advisor Experience

For the past 20 years, John has helped small business owners, active and retired military personnel, and individual investors address their financial concerns.  He does this by focusing on their individual financial needs and goals, prioritizing those goals, and then developing investment strategies appropriate to help them achieve their goals.  His holistic approach to investing helps John’s clients make informed decisions regarding both their investments and their spending choices.

Financial Advisor Certifications

Securities Registrations or Exam Qualifications

7, 6, 31, 63, 65

Designations & Certifications

  • Other - Mortgage Loan Originator 396530

Insurance Licenses

  • Life insurance: Fl, NY, VA, GA, AL
  • Health/disability insurance: FL
  • Fixed annuities: Fl
  • Variable annuities: Fl, NY, AL, SC, CO, KY

Broker-Dealer Affiliation

Wells Fargo Advisors Financial Network, LLC

Broker-Dealer Disclaimer

Financial Advisor's Specialties

Budget & Debt Management, Comprehensive Financial Planning, 401(k)/403(b)/IRAs, Annuities, Banking, Asset Allocation, Career Change, Estate Planning, Investment Management, Government & Military, Employee Benefits, Mutual Funds, Insurance, Retirement, Stocks & Bonds, Life Planning, Succession Planning, Long-term Care, Sudden Wealth


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