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The Top Financial Advisors in Clearwater, FL - SmartAsset

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Finding a Top Financial Advisor Firm in Clearwater, Florida 

If you’re seeking a financial advisor in Clearwater, Florida, we can help. We conducted extensive research to find the top financial advisors in the city. These firms are the largest in the area, based on assets under management (AUM), that have not run afoul of regulatory rules or the law. Use our advisor-matching tool to connect with up to three local advisors.

Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Csenge Advisory Group, LLC Csenge Advisory Group, LLC logo Find an Advisor

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$1,611,537,425 $50,000
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors
  • Asset allocation services

Minimum Assets

$50,000

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors
  • Asset allocation services
2 Flaharty Asset Management, LLC Flaharty Asset Management, LLC logo Find an Advisor

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$645,373,241 $250,000
  • Financial planning
  • Portfolio management
  • Selection of other advisors
  • Pension consulting services
  • Educational seminars/workshops

Minimum Assets

$250,000

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors
  • Pension consulting services
  • Educational seminars/workshops
3 Client 1st Advisory Group Client 1st Advisory Group logo Find an Advisor

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$230,877,882 $250,000
  • Financial planning
  • Portfolio management

Minimum Assets

$250,000

Financial Services

  • Financial planning
  • Portfolio management

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4 Chronos Wealth Management, LLC Chronos Wealth Management, LLC logo Find an Advisor

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$173,627,918 No set account minimum
  • Financial planning services
  • Portfolio management

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management

How We Found the Top Financial Advisor Firms in Clearwater, Florida

To find the top financial advisors in Clearwater, Florida, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria: 

Csenge Advisory Group, LLC

Csenge Advisory Group, LLC

At the top of the list is Csenge Advisory Group. Its financial advisor team includes staff members with professional designations such as certified financial planner (CFP), accredited investment fiduciary (AIF) and chartered financial analyst (CFA). The firm primarily works with people who do not have a high net worth. 

To receive investment management services, you need to keep a minimum account size of $50,000. 

Csenge Advisory Group Background

The Csenge Advisory Group has been around since 2000. John Csenge is the principal owner. He oversees a team with more than five decades of collective experience in the financial services industry. They offer investment management services through a wrap fee program. This means you pay a bundled fee that covers investment advisory services and brokerage transactions. The firm also provides services through its independent advisor representatives (IAR). These people may work under the names of other firms. 

When you work with Csenge Advisory Group, you can expect to receive: 

  • Asset management services
  • Asset allocation services
  • Recommendation and monitoring of third-party managed programs
  • Financial planning
  • Corporate investment and retirement plan consulting services

Csenge Advisory Group Investment Strategy 

Csenge Advisory Group's tactical asset allocation model portfolios are primarily built with equities, mutual funds and exchange-traded funds. They include:

  • CAG Commodore
  • CAG Core & Explore
  • CAG Fixed
  • CAG Growth & Income
  • CAG International
  • CAG Tactical Fusion
  • CAG Techno Quant
  • CAG Total Market

IARs may invest client assets in one or more of these portfolios. They may also have their own investment strategies independent of these models.

Flaharty Asset Management, LLC

Flaharty Asset Management, LLC

Flaharty Asset Management offers access to customized investment programs and financial planning services. To work with the firm, you’d need a minimum investment of $250,000. Individuals who do not have a high net worth make up most of the firm’s client base.

Certain members of the firm's advisory team holds various professional designations, such as accredited investment fiduciaries (AIFs), certified financial planners (CFPs), chartered retirement plan counselors (CRPCs) and chartered financial analysts (CFAs). Some advisors are affiliated with third-party financial services and may receive a commission when they sell their products. That said, the firm and its representatives have a fiduciary duty to provide advice in their clients' best interests.

Flaharty Asset Management Background 

Flaharty Asset Management was founded in 2013. It’s owned by Flaharty & Associates, LLC. Collectively, the firm's advisors have more than 30 years of experience in the financial services industry. They offer the following services: 

Flaharty Asset Management Investing Strategy

Flaharty Asset Management aims to create diversified portfolios tailored to the client’s risk tolerance and financial goals. Depending on your profile, yor portfolio may include the following: 

Client 1st Advisory Group

Client 1st Advisory Group

The team at Client 1st Advisory Group includes four certified financial planners (CFPs) and two accredited investment fiduciaries (AIFs). To establish a relationship with the firm you’d need to make a minimum investment of $250,000. The firm primarily works with individuals who do not have a high net worth. 

Some of the firm’s advisors and investment advisor representatives (IARs) may be affiliated with other financial services firms. So they earn commissions when they recommend third-party products. This may pose a conflict of interest. But each representative of Client 1st Advisory Group has a fiduciary duty to work in the best interests of their clients. 

Client 1st Advisory Group Background

Client 1st Advisory Group was founded in 2000. It’s the successor to Client 1st Advisors, Inc. and Wealth Management Consultants, Inc.  The firm's president and co-founder Craig Phillips oversees a team with more than 50 years of collective experience in the financial services space. The team offers advice on: 

Client 1st Advisory Group Investment Strategy 

The firm examines clients’ risk tolerance and goals to develop an appropriate asset allocation. When evaluating securities, the practice utilizies various analytical methods, including passive asset allocation processes. Portfolios may be invested in stocks, bonds, mutual funds, ETFs, alternative investments, REITs and more. 

Chronos Wealth Management, LLC

Chronos Wealth Management, LLC

Chronos Wealth Management is a fee-based firm that offers services to individuals (currently most of whom do not have a high-net-worth), pensions, profit-sharing plans and business entities. Certain advisors here earn commissions for selling insurance, which presents a conflict of interest. That said, advisors must act in the best interest of the client.

There is no minimum account size at Chronos. The team includes one accredited wealth management advisor (AWMA).

Chronos Wealth Managment Background

Chronos was founded in 2017 and is principally owned by William Wallace Chamberlain.

Services offered at the firm include portfolio management, financial planning, life insurance, retirement planning, education planning and debt planning.

Chronos Wealth Managment Investing Strategy

The firm uses various methods of analysis, including fundamental analysis, technical analysis and quantitative analysis. Chronos Wealth Management investment strategy is long-term trading. The firm may invest assets in mutual funds, equities, fixed-income securities, ETFs, annuities and more.

 

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research