Top 10 Financial Advisors in Florida

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WE Family Offices sits at the top of our Florida list. The Miami-based firm works exclusively with high-net-worth individuals. SmartAsset named this firm the top financial advisor firm in Miami.

This fee-only firm charges a minimum base annual fee of $150,000 for its family office services. It should therefore come as no surprise that WE Family Offices only serves ultra-high-net-worth and high-net-worth individuals and their families. As a comparison, most other firms on this list also work with some combination of businesses, charitable organizations and retirement plans.

At this firm you’ll find advisor certifications such as certified financial planner (CFP), certified public accountant (CPA), chartered financial analyst (CFA), chartered alternative investment analyst (CAIA) and registered investment advisor (Series 65). WE Family Offices charges performance-based fees if your portfolio exceeds projections.

WE Family Offices Background

Holding company WE Family Offices Holdings, LLC owns this firm. It was founded in 2000. Managing partners Santiago Ulloa, Maria Elena Lagomasino and Michael Zeuner have all been working in the financial services industry for several decades.

Because this is a family office, all of its services are based around comprehensive financial planning and management. Its offerings encompass succession planning, investment manager selection, service provider selection and fee negotiation, investment transaction verification and asset and investment portfolio reporting. WE Family Offices avoids providing any type of legal, tax or accounting advice.

WE Family Offices Client Experience

Given that it is a family office, comprehensiveness is paramount to how WE Family offices manages its clients’ portfolios. This process opens with a complete overview of your family’s assets, including your holdings, sources and uses of cash and any existing wealth transfer plans. This information is then paired with your family’s history, values, roles, decision-making processes, communication practices and investment goals.

An investment strategy is then built based on these familial goals, as well as your risk tolerance and any potential tax or estate planning issues. All the while, the firm will work to help your family achieve financial literacy and independence so that this plan doesn’t go to waste.

Once your advisor has implemented your plan, he or she will manage your account on a daily basis. If your family requires it, the firm can offer support to ensure that the family remains engaged in the plan. Should your financial needs or objectives change, the firm also has the ability to repurpose its plans to fit the altered circumstances.

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Much like WE Family Offices, CV Advisors, LLC has an individual client base made up of high-net-worth individuals. Other institutional clients include pooled investment vehicles, charities, insurance companies and corporations.

CV requires clients to have $50 million in assets to open an account. A fee-only firm, it is not engaged in any other types of financial businesses.

CV Advisors Background

CV Advisors was established in 2009 and is owned by founding partners Elliot Dornbusch, Alexandre Mann and Matthew J. Storm.

The firm's investment advisory services include asset allocation analysis, instrument and security selection, performance reporting and portfolio monitoring. These services can be provided on both a discretionary and non-discretionary basis.

CV Advisors Investing Strategy

CV Advisors typically creates portfolios for its clients which include (but are not limited to) fixed income, securities, exchange-traded funds (ETFs), private equity funds, hedge funds, certificates of deposit (CDs), managed accounts and mutual funds. 

The firm's investment philosophy prioritizes liquidity, risk management and investment cost efficiency. When providing advisory services, the firm will take into account your investment objectives, investment experience, financial situation and risk tolerance.

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Next on the list and new to the ranks this year is fee-based firm Gladstone Wealth Partners. Individual clients consist largely of non-high-net-worth individuals, with only a fifth belonging to the high-net-worth category. Other clients include charities, businesses and pension and profit-sharing plans. Account minimums vary by account type. 

As a fee-based firm, advisors may receive commissions from the sale and purchase of securities or insurance products. While this may be a potential conflict of interest, the firm is a fiduciary and is bound to act in the best interest of its clients. 

Gladstone Wealth Partners Background

Gladstone Wealth Partners was established in 2015 and is a wholly-owned subsidiary of GWP Advisory Services, LLC, formerly known as GWP Holdings, LLC. 

The firm offers investment management through nine wrap-fee programs, as well as retirement consulting and a host of other financial services. 

Gladstone Wealth Partners Investment Strategy

Gladstone Wealth Partners is all about customizing investment strategies to their clients. After an initial discussion regarding the client's objectives, risk tolerance and time horizon, advisors will recommend the appropriate strategy.

Investment management is primarily provided through the following wrap-fee programs:

• Strategic Wealth Management, an ongoing customized portfolio management program
• Manager Asset Select, where the firm provides model portfolios from third-party managers
• Model Wealth Portfolios, asset-allocation portfolios provided by third-party managers
• Optimum Market Portfolios, a professionally-managed mutual fund asset allocation program using Optimum Fund shares
• Advisor services through Charles Schwab, Fidelity Investments, TD Ameritrade, Gladstone Capital or other third-party managers

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Csenge Advisory Group manages assets primarily for non-high-net-worth and high-net-worth individuals, as well as pension and profit sharing plans, charitable organizations and corporations. The firm generally has a minimum requirement of $50,000 to start and maintain an advisory relationship. Csenge also charges clients annual management fees that are assessed as a percentage of assets under management, which range up to 2.35%. Third-party managed program fees will not exceed 2.5%.

As a fee-based firm, some finance professionals could earn commissions on the sale of insurance and other investment products. Csenge has a fiduciary duty that requires its team to act in the best interests of their clients.

Csenge Advisory Group Background

Csenge was founded as a limited liability company in 2000. Founder and managing partner John Csenge is the principal owner.

The firm’s financial team holds multiple certifications, including six certified financial planners (CFPs), two financial paraplanner qualified professionals (FPQPs), one chartered financial analyst (CFA), one chartered market technician (CMT), one accredited investment fiduciary (AIF) and one certified investment management consultant CIMC).

Csenge Advisory Group Strategy

The firm offers investment advisory services through a network of independent advisory representatives. Services include wealth management, asset management, retirement planning, estate planning, insurance planning and tax planning.

Csenge works with clients to identify investment goals, objectives, restrictions, and risk tolerance to customize a portfolio and create an initial allocation that strategically complements their financial situation and personal circumstances.

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Ranking fifth on our list is fee-only Camden Capital. Although there is no account minimum to work with this firm, the vast majority of clients are high-net-worth individuals. Camden Capital also serves a number of pooled investment vehicles. 

Several advisors hold professional accreditations, including certified financial planner (CFP), chartered financial analyst (CFA), certified public accountant (CPA), chartered financial consultant (ChFC) and accredited investment fiduciary (AIF). 

Camden Capital Background

Camden Capital was founded in 2004 and has offices in California in addition to its main office in Boca Raton. The firm is managed by partners Rich Bursek, Kara Boccella, Mark Udis and Jayson Brown. 

Services provided include investment management advice, legacy planning and family office services.

Camden Capital Investment Strategy

Advisors at Camden Capital personalize their recommendations based on a client's objectives, risk tolerance and time horizon. The firm believes that asset allocation and investment policy decisions should be made to help the client achieve their overall financial objectives while minimizing risk exposure. As such, strategic asset allocation is a key component of portfolio construction. The firm encourages a long-term buy-and hold approach, and employes a diverse range of asset classes as suitable for its clients. 

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Finaccess Advisors, LLC has a client base made up of individuals, high-net-worth individuals, pooled investment vehicles, charitable organizations and corporations. It is also on SmartAsset’s list of the top financial advisor firms in Miami.

The firm does not require a minimum amount of assets to open an account. Finaccess is a fee-only firm, which means its advisors do not receive transaction-based compensation.

Finaccess Advisors Background

Finaccess Advisors was established in 2009. Grupo Finaccess S.A.P.I. de C.V., a network of financial service businesses, is the primary owner of this firm.

Besides typical asset management, Finaccess Advisors offers a plethora of financial planning services. These services include retirement planning, trust planning, estate planning, education cost planning, cash flow planning and insurance review.

Finaccess Advisors Investing Strategy

While Finaccess does a lot of retirement planning, it actually makes heavy use of short-term purchasing. The firm uses short-term purchases for two reasons: to take advantage of short-term returns in the market and to accommodate investors with hefty liquidity needs.

Besides your need for liquidity, your personal risk tolerance and time horizon will also inform how your investment plan is built. The firm stresses that you can adjust your objectives at any point and rebalance your portfolio to take the changes into account.

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Certified Advisory Corp manages assets primarily for individuals and high-net-worth individuals, as well as pension and profit sharing plans, charitable organizations, state and municipal governments and corporations. The firm generally has a minimum requirement of $500,000 to open and maintain an account. Certified also charges clients advisory and management fees that are assessed as a percentage of assets under management, which range up to 1.5%.

As a fee-based firm, some finance professionals could earn commissions on the sale of insurance and other investment products. Certified has a fiduciary duty that requires its team to act in the best interests of their clients.

Certified Advisory Corp Background

Certified was founded in 1991 and founder Joseph F. Bert is the principal owner.

The firm’s financial team holds multiple certifications, including 12 certified financial planners (CFPs), 12 accredited investment fiduciaries (AIFs), two certified public accountants (CPAs) and one national Social Security advisor (NSSA).

Certified Advisory Corp Strategy

The firm offers comprehensive financial plans, including:

• Income tax, cash flow and investment plans
• Financial independence cash flow plans
• Education funding plans
• Retirement distribution analysis
• Pension maximization analysis
• Legacy planning
• Business analysis
• Risk management plans
• Capital needs analysis
• Asset allocation plans

Certified works with clients to identify investment goals, objectives, and risk tolerance to customize a portfolio that complements their financial needs strategically.

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Another new addition to the list this year is fee-based firm Talon Private Wealth. Its client base consists primarily of individuals below the high-net-worth threshold. The minimum to open an account is $25,000. 

As a fee-based firm, some of its advisors may receive a commission for the sale of insurance products. Although this may be a potential conflict of interest, the firm is bound by fiduciary duty to act in the best interest of its clients at all times. 

Talon Private Wealth Background

Talon was founded in 2018, making it one of the younger firms on our list. The founder Robert Lester is a managing member of the firm. 

Services offered include financial planning and consultation, investment management and retirement planning services. 

Talon Private Wealth Investment Strategy

Tactical asset allocation and technical analysis inform the majority of Talon's investment strategy, utilizing stocks, bonds, exchange-traded and mutual funds to build upon a model portfolio that aligns with a client's objectives, risk tolerance and time horizon. 

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Spearhead Capital Advisors manages assets primarily for individuals and high-net-worth individuals, as well as pooled investment vehicles and insurance companies. The firm generally requires a minimum of $5,000,000 to open and maintain an account. 

As a fee-based firm, some finance professionals at Spearhead Capital could earn commissions on the sale of insurance and other investment products. The firm has a fiduciary duty that requires its team to act in the best interests of their clients.

Spearhead Capital Advisors Background

The firm was founded as a limited liability company in 2011. Spearhead Strategic Partners, LLC is the direct owner of the Spearhead Capital Advisors, LLC. And the owners of Spearhead Strategic Partners, LLC are New Vernon Financial, LLC (30%), Abstrum Partners, LLC ( 30%), Fieldstone II, LLC (30%) and SATM Holdings, LLC (10%).

The financial team holds multiple certifications, including two certified public accountants (CPAs), two private placement life insurance (PPLI) designations, one chartered financial analyst (CFA), one certified financial planners (CFP), one private placement variable annuities (PPVA), one chartered alternative investment analyst (CAIA), one certificate in investment performance measurement (CIPM) and one certified investment management analyst (CIMA).

Spearhead Capital Advisors Strategy

The firm relies on charting analysis, technical analysis, fundamental analysis, cyclical analysis, modern portfolio theory, long-term and short-term purchases, short sales, margin transactions, option writing and trading to manage and evaluate client portfolios.

Services include advanced wealth planning, investment consulting services, portfolio management services. The firm also offers structural planning, equity and debt portfolio management, alternative investment strategies, private placement life insurance (PPLI) and private placement variable annuity (PPVA) structures, among other services.

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Rounding off our list is the youngest firm, fee-only Advus Financial Partners. Clients include a large number of high-net-worth individuals, charities, corporations and pension and profit-sharing plans. There is a minimum account size of $1,000,000.

Advisors at Advus host multiple certifications, including accredited investment fiduciary (AIF), certified financial planner (CFP), certified fiduciary plan advisor (CFPA), and chartered financial analyst (CFA), among others. 

Advus Financial Partners Background

Advus was founded just last year in 2021 and is owned solely by CEO Mark Lamoriello. 

The firm's objective is to offer conflict-free investment advice, focused on wealth planning and investment management for individuals, retirement plans and endowments. 

Advus Financial Partners Investment Strategy

Advus' Investment Policy Committee is responsible for asset allocation and portfolio management decisions. Asset allocation and diversification form the core of Advus' investment strategy, and principal asset classes used are global equities, fixed income and cash equivalents. 

Advus generally utilizes a mix of passive and active investment management. Your money will often be put into a combination of mutual funds, exchange-traded funds (ETFs), separately-managed accounts and private investment funds and partnerships.