A boutique practice, by intention.
Celadon Private Client was built small on purpose — independent, discreet, and structured to give each family the attention their situation requires.
We approach private-client insurance the way a risk manager approaches a balance sheet: understand the whole picture first, then decide what to keep, transfer, reduce, or avoid. Coverage is the last step, not the first.
We built Celadon to do this work the way we believe it should be done. Not as one more account in a large agency’s book, but as a practice where the people advising you are the people who know your file — and stay with it for years.
We keep the client list deliberately short. That is not exclusivity for its own sake; it is the only way to hold the long view on a family’s risk.
We are independent. We are not captive to any one carrier, which means we can be honest about which path actually fits your life rather than which one we are paid to place.
Independence is the whole point. It’s what lets us sit on your side of the table.
Andrew O'Neill
Founder & PrincipalMy background is in risk and in markets. Before Celadon, I served as Director of Commercial Asset Protection and Enterprise Risk at a fifty-year-old independent agency in Boca Raton, where I advised families and business owners on the exposures most people never see until they arrive. Earlier, I worked in equities, derivatives, and asset management — which taught me to think about a family’s risk the way I once thought about a portfolio: structurally, and with the long view. That is the lens I bring to insurance: coverage is not a product you buy once and file away, but a position you hold and adjust as your life changes. I work warmly, and I work in confidence — what you share with me stays between us, and the relationship is meant to outlast any single placement.
How we run the practice
The advice you get is ours, and it stays private. Everything you tell us is held in strict confidence — that comes first, and it is not negotiable. Behind that, we lean on good technology to do what used to take a back office: it helps us keep your file current and prepare for a conversation properly, so the time we spend with you is spent on judgment, not paperwork. You get the attention of a small practice with the rigor of a large one.
Licensing and credentials
Celadon Private Client is a licensed independent insurance practice in the State of Florida. We do not publish license numbers here, by deliberate choice — licensing available on request, and we are glad to provide everything you need to verify our standing before you share anything with us.
Begin with a conversation
The best way to understand how I work is to talk. The conversation is private and commits you to nothing.
Schedule a conversation