If you do not hire a guide, may I suggest the dock at Amigos Del Mar for bonefish and the dock at Sunset grill for tarpon. Otherwise, you should probably get a guide. (kidding here SuzyQ... those docks haver permanent/pet populations of those fish and are off limits to fishing.)
I know I do not need to explain this, but the fact that your husband IS an accomplished fisherman is all the MORE reason for hiring a guide. For those non-fluff-chuckers out there, a flats guide does a LOT more than drive and pole a skiff... they see the fish 99% of the time before you, know the tides, currents, local waters, know what the fish are receptive to, know when to stay at a spot and know when to move on. They're also usually skilled at crass conversation, tasteless jokes and polite insults when your casting skills (or lack there of) are such as mine. If I go out without a guide, whatever, no big deal as I LIVE here and heck, it's a day out on the water. If you're here for just a week, GET A GUIDE, as simply put, they will put you on fish. Also, presumably you are not bringing down your own boat? Yet another reason to hire a guide, as fishing by rented golf cart is not terribly productive.
Kre: El Pescador recently started actively welcoming their services to non guests (as evident by their new "Even if you don't stay with us, fish with us" ad campaign in the local papers as of late.) In the past you had to work around their busy schedule. This is a GREAT development, as the folks there are fantastic.
Enjoy the fishing!!! Check out the weekly fishing report (courtesy of El Pescador) that Marty posts on this board.