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Top 10 Financial Advisors in Miami, FL

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Finding a Top Financial Advisor Firm in Miami, Florida

Finding the right financial advisor is no easy undertaking, and it's hard to narrow things down in Miami, a large city with many advisors. That's why we've tried to simplify your search by compiling this list of the top nine Miami financial advisor firms. In tables and in reviews, we lay out our findings about these firms and what sets them apart. If you need more guidance in your search, SmartAsset’s financial advisor matching tool can pair you up with financial advisors who serve your area.

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Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 WE Family Offices WE Family Offices logo Find an Advisor

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$13,382,462,057 No set account minimum
  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)
2 Finaccess Advisors, LLC Finaccess Advisors, LLC logo Find an Advisor

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$4,446,176,244 No set account minimum
  • Financial planning
  • Portfolio management 
  • Wealth management services

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management 
  • Wealth management services
3 Ingham Retirement Group Ingham Retirement Group logo Find an Advisor

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$2,433,083,696 $100,000
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of advisors (including private fund managers)

Minimum Assets

$100,000

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of advisors (including private fund managers)
4 GenTrust GenTrust logo Find an Advisor

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$2,744,354,169 $10,000,000
  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)
  • Provides model portfolios

Minimum Assets

$10,000,000

Financial Services

  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)
  • Provides model portfolios
5 MAS Advisors, LLC MAS Advisors, LLC logo Find an Advisor

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$988,509,040 $250,000 to $10 million
  • Dynamic alternative asset program
  • Portfolio construction and management
  • Comprehensive financial planning
  • Corporate retirement services
  • Risk mitigation and asset protection
  • Business planning
  • PPLI Insurance SMA Design and Administration

Minimum Assets

$250,000 to $10 million

Financial Services

  • Dynamic alternative asset program
  • Portfolio construction and management
  • Comprehensive financial planning
  • Corporate retirement services
  • Risk mitigation and asset protection
  • Business planning
  • PPLI Insurance SMA Design and Administration
6 Element Pointe Advisors Element Pointe Advisors logo Find an Advisor

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$705,541,597 $5,000,000
  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers
  • Consulting services

Minimum Assets

$5,000,000

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers
  • Consulting services
7 FitzRoy Investment Advisors FitzRoy Investment Advisors logo Find an Advisor

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$595,010,667 $15 million
  • Portfolio management services
  • Financial planning services
  • Selection of other advisors (including private fund managers)

Minimum Assets

$15 million

Financial Services

  • Portfolio management services
  • Financial planning services
  • Selection of other advisors (including private fund managers)
8 Creand Management Creand Management logo Find an Advisor

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$468,371,189 $100,000
  • Wealth management
  • Tax planning
  • Estate planning
  • Financial planning

Minimum Assets

$100,000

Financial Services

  • Wealth management
  • Tax planning
  • Estate planning
  • Financial planning
9 Meira Meira logo Find an Advisor

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$246,858,629 $5,000
  • Wealth management
  • Financial planning
  • Retirement planning
  • Estate planning
  • Divorce planning

Minimum Assets

$5,000

Financial Services

  • Wealth management
  • Financial planning
  • Retirement planning
  • Estate planning
  • Divorce planning
10 Skybound Wealth Management USA, LLC Skybound Wealth Management USA, LLC logo Find an Advisor

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$255,000,000 No set minimum account
  • UK pension transfer services
  • Investment management
  • Financial planning

Minimum Assets

No set minimum account

Financial Services

  • UK pension transfer services
  • Investment management
  • Financial planning

What We Use in Our Methodology

To find the top financial advisors in Miami, 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:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure are ranked higher.

All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.

WE Family Offices

WE Family Offices is at the top of our list for Miami and the state of Florida. This boutique firm works exclusively with high-net-worth and ultra-high-net-worth individuals. While WE Family Offices doesn’t have an account minimum, it charges a flat annual fee of $150,000 for its family office services.

WE Family Offices is a fee-only firm. The team holds multiple certifications, including the certified financial planner (CFP), the chartered alternative investment analyst (CAIA), the certified public accountant (CPA), the chartered financial analyst (CFA) and the registered investment advisor (Series 65).

WE Family Offices Background

WE Family Offices was founded in 2000 as TBK Investments. It was purchased by a major bank holding company, but in 2013 the firm's executive management team reclaimed the firm's independence, creating WE Family Offices. The independent, fiduciary firm is now wholly owned by WE Family Offices Holdings, and the firm's principals, Santiago Ulloa, Maria Elena Lagomasino and Michael Zeuner, each have an ownership interest in the firm.

The firm's name, WE, stands for Wealth Enterprise, which is the phrase the firm uses to describe its wealth management style. WE Family Offices selected this style of management because it believes that families who have been able to successfully grow and protect their wealth have done so because they managed their wealth as though it were a business enterprise. 

WE Family Offices strives to help its clients create their own wealth enterprise through its services, which include investment strategy and oversight, back office support and family advisory services. The firm states that its ultimate goal is to be a "committed advocate" to its client families' "long-term interests." 

WE Family Offices Approach

WE Family Offices takes a highly structured approach to building clients’ wealth enterprises. The firm’s process, which emphasizes families’ unique needs, is three-part:

  • Phase 1: The firm gains an understanding of a family's wealth and dynamics, including their holdings, financial provider network, wealth transfer plan, values and communication practices.
  • Phase 2: The firm creates a family's holistic plan. This phase includes an evaluation of risk, an assessment of potential tax and estate planning issues, a review of fee structures from outside providers and the alignment of a family's investment portfolio with their goals. 
  • Phase 3: The firm executes the plan. WE Family Offices provides consolidated reporting, family governance support and education, cash flow analysis and investment oversight.

Finaccess Advisors, LLC

Finaccess Advisors, LLC does not have a set account minimum. Its clients include both non-high-net-worth and high-net-worth individuals, as well as pooled investment vehicles and corporations. 

Finaccess is a fee-only firm, which means its advisors do not receive transaction-based compensation.

Finaccess Advisors Background

The firm was founded in 2009. The registered investment advisor is primarily owned by Grupo Finaccess SAPI de CV. Grupo Finaccess is made up of several companies, including Finaccess México, Finaccess Capital and Finaccess Servicios Corporativos. 

The firm’s services, which include wealth management and investment advisory services encompassing financial planning, retirement planning and trust services, are tailored to clients' specific needs, goals and objectives. 

Finaccess Advisors Investing Strategy

Finaccess Advisors says that it strives to preserve and grow its clients' wealth in a "sustained and sustainable manner," with an emphasis on risk management and corporate governance. Along with contributing to the growth of its clients, the firm says that it also wants to contribute to the advancement of society.

Finaccess Advisors’ investment committee is responsible for recommending investments for client portfolios. Investment recommendations are based on clients’ financial objectives and risk tolerance. Aside from its tailored strategy, Finaccess Advisors may also use long-term trading and short-term trading.

Ingham Retirement Group

Ingham Retirement Group, which also goes by Ingham Russell Investment Advisors, works with individuals, high-net-worth individuals and pensions plans. 

The practice is fee-based, meaning the firm earns income from commissions in addition to charging management fees. This presents a potential conflict of interest, but the advisors must always act in the best interest of the client.

Ingham has a minimum account requirement of $100,000.

Ingham Retirement Group Background

Kenneth Ingham and Linda Ingham are the principal shareholders of the firm that was founded in 1991. It is connected to Alliance Benefits Group of Florida, which offers a broader range of services, including record-keeping and actuarial services.

Ingham Retirement provides model portfolio management, individual portfolio management, money manager selection, pension consulting services and financial planning services.

Ingham Retirement Group Investing Philosophy

When it comes to investment strategy, Ingham Retirement prioritizes asset allocation over security selection, looking to find the right balance of securities, fixed income, and cash for every client’s risk tolerance and investment goals.

The firm also stresses the importance of a long-term perspective for clients looking to achieve stable investment returns. Consequently, it doesn’t spend much time engaging in short-term purchasing or trading.

GenTrust, LLC

GenTrust, LLC works primarily with non-high-net-worth and high-net-worth individuals, as well as funds from foreign countries and institutions, and corporations.

To open an acount, you’ll need at least $10 million. To hit this account minimum, however, the firm allows family members to aggregate their accounts. Also, it may waive the minimum at its discretion.

For Miamians eyeing retirement, it’s worth noting that GenTrust has a staff member certified specifically in retirement planning. Alongside a chartered retirement planning counselor (CRPC), GenTrust holds multiple certifications, including the certified financial planner (CFP), the certified investment management analyst (CIMA), the chartered financial analyst (CFA) and the certified public accountant (CPA) designations. 

GenTrust is a fee-based firm, as some of its employees may earn commissions for selling securities or insurance products. These commissions are separate from and in addition to the firm's advisory fees - and the arrangement may pose potential conflicts of interests. That said, the firm is bound by its fiduciary duty to act in clients' best interests. 

GenTrust Background

GenTrust has been in business since 2011, making it one of the younger firms on this list. The firm is completely owned by management. 

GenTrust was founded by a team of experienced financial advisors and investors who wanted to combine honest investment advice with the risk management-focused investment style typically reserved for large institutions.

The firm’s services include wealth management, investment management, risk management, financial planning and consulting services. Additionally, it offers alternative investments and municipal bond management. 

GenTrust Investment Philosophy

GenTrust's investment principles are based on academic and proprietary research. The firm's primary emphasis is on asset allocation, and it strives to achieve the optimal asset allocation for each client based on his or her risk tolerance. The firm aims to make client portfolios stable across market environments, and thus it relies on macroeconomic risk factors to set long-term asset allocation. To evaluate potential risk, the firm uses forward-looking scenario-based risk management. 

Aside from asset allocation, GenTrust prioritizes low costs, diversification and tax efficiency in its client portfolios. Though the exact construction of client portfolios depends on individual clients’ investment objectives, GenTrust typically uses independent managers, mutual funds, exchange-traded funds, individual debt and equity securities, options and futures.

MAS Advisor, LLC

MAS Advisors, LLC works primarily with individuals and high-net-worth individuals, as well as pension and profit-sharing plans, insurance companies and corporations. As a fee-only firm, it does not collect commissions on trades or the sale of certain products.

MAS has different minimums depending on the type of client. The firm generally requires individual clients to have a minimum account of $250,000. Institutional clients, however, must invest at least $10 million.

MAS Advisors Background

Located in Miami, MAS was founded as a limited liability company in 2012. The principal owner is managing member and chief compliance officer Ricardo R. Calderon.

The firm’s Miami team holds the chartered financial analyst (CFA) certification. Other teams in Memphis and Kansas City hold multiple certifications, including the certified financial planner (CFP), the chartered life underwriter (CLU), the chartered financial consultant (ChFC), the enrolled agent (EA) and the accredited asset management specialist (AAMS).

MAS Advisors Management Strategy

MAS offers both discretionary and non-discretionary investment advisory services. The firm manages and evaluates portfolios based on client financial goals and objectives. Services also factor in time horizon and risk tolerance

Element Pointe Advisors

Element Pointe Advisors is a boutique firm that works primarily with high-net-worth individuals. It also serves non-high-net-worth individuals, pooled investment vehicles and pension and profit-sharing plans. Its minimum to be a client is $5 million, though it may waive the requirement at its discretion. 

The fee-only firm offers investment management, financial planning, consulting and family office services. 

Element Pointe Advisors Background

David Savir and Carlos Dominguez founded the firm in 2016. Prior to forming their own firm, both men served as vice presidents at J.P. Morgan Private Bank. Savir, Element Pointe's CEO, has also worked at Goldman Sachs and has a JD and MBA. Dominguez, who is the firm's president and chief investment officer, previously was a portfolio manager at Alpine Capital Partners and has an MBA from Stanford.

The team holds multiple certifications, including certified financial planner (CFP) and chartered financial analyst (CFA) designations.

Element Point Advisors Investing Strategy

The firm tailors its advice to the client, but generally recommends exchange-traded funds (ETFs), mutual funds, individual debt and equity securities and independent investment managers. It believes that a portfolio's diversification should be across asset classes and geographies. It uses a “core and satellite” approach, which means, it says, "using low-fee index funds for beta exposure in large and efficient markets, while utilizing active managers/funds for exposure to specific sectors, geographies, concentrated positions, or asset classes where we believe that active management can add value."

FitzRoy Investment Advisors, LLC

Founded in 2011, FitzRoy Investment Advisors serves an exclusive client base: It requires clients to have a liquid net worth of at least $15 million. The firm provides advisory services entirely to high-net-worth individuals.

As a fee-only firm, Fitzroy is bound by its fiduciary duty to put its clients' best interests first.

Fitzroy Investment Advisors Background

Fitzroy Investment Advisors is owned by its president and founder, Jose Fernandez.

Fitzroy offers portfolio management services and financial planning services. The firm occasionally selects outside advisors for its clients as well.

Fitzroy Investment Advisors Investing Philosophy

Fitzroy Investment Advisors creates customized asset allocation programs for each of its clients, tailoring to the client's short-term and long-term objectives, risk tolerance, time horizon and liquidity needs.

The firm primarily provides recommendations on mutual funds, exchange-traded funds (ETFs), pooled investment vehicles and separate investment managers. It typically doesn’t give advice on individual securities, though it may refer clients to third parties for advice of that sort.

Creand Management

Creand Management is a fee-based firm that works with high-net-worth individuals.

The firm requires a minimum account balance of $100,000 for investment management services. 

Clients engaging in wealth management services are charged a percentage of assets under management that ranges between 0.65% and 1.55%.

The firm also offers financial planning services and advisory services at a maximum rate of $500 per hour. 

As a fee-based firm, some of the members on its advisory staff could get commissions for products they sell. Nevertheless, they must adhere to Creand Management's fiduciary standard, which puts the interests of clients first. 

Creand Management Background

Creand Management was founded in 2011 and is principally owned by Credit Andorra U.S.G.P.

The firm provides clients with investment advisory services, including asset management, as well as financial planning, estate planning and tax planning. 

Creand Management Investment Strategy

Depending on your risk tolerance and other factors, the firm may invest your assets in mutual funds, exchange-traded funds (ETFs) and bonds, among other investments.

As with other firms, investment strategies are based on client needs and goals. 

Meira

Meira is a fee-only firm that works with both non-high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans.

The firm imposes a minimum fee of $5,000 for assets under $500,000. Meira also charges a percentage of assets under management that ranges betwen 0.25% and 1%. It also offers limited scope financial planning and advisory services at a rate of $350 per hour.  

Meira says that it does not sell any investment products, including annuities, insurance or any other commissioned products. As a fee-only firm, the advisory staff does not take commissions, finder's fees or referral fees. The firm gets compensation directly from clients. 

Meira Background

The firm was founded in 1997 Linda S. Lubitz, CFP, PA, doing business as (d/b/a) The Lubitz Financial Group. On September 2021, the DBA changed to Meira/Meira Wealth.

Meira is a privately held independent registered investment advisor locater in Miami. Linda S. Boone, CFP, is a 95% stockholder and Jorge Padilla is a 5% minority stockholder.

The firm provides clients with investment management and asset management services, as well as financial planning, tax planning, retirement planning, estate planning and divorce planning. 

Meira Investment Strategy

Depending on your risk tolerance and other factors, the firm may invest your assets in mutual funds, exchange-traded funds (ETFs), fixed-icome, certificates of deposit (CDs) and bonds, among other investments.

As with other firms, investment strategies are based on the client's needs and goals. 

Skybound Wealth Management

Skybound Wealth Management is a fee-based firm that works with both non-high-net-worth and high-net-worth individuals.

Clients engaging in pension transfers from the U.K. to the U.S. will be charged a maximum fee of 5% for assets roughly under $1.377 million. For assets over that amount, the initial maximum fee is 3%.

The firm also says that it will charge a maximum annual fee of 1.25% for SIPP and QROPS retirement accounts.

As a fee-based firm, some of the members in the firm's advisory staff could get commissions for products they sell. Nevertheless, they must adhere to Skybound Wealth Management's fiduciary standard, which puts the interests of clients first. 

Skybound Wealth Management Background

Skybound Wealth Management is an investment advisory firm that provides wealth management services mainly to U.K. expats working and living in the U.S.

The firm was formed as a limited liability company in 2017. The main U.S. office is located in the Miami, Florida and it has a branch office in Henderson, Nevada.

Skybounds Wealth Management's principal owners are Victoria Creer and Aziza Moraby. 

In addition to pension transfer services from the U.K. to the U.S., the firm also provides clients with investment advisory services and financial planning.

Skybound Wealth Management Investment Strategy

Depending on your risk tolerance and other factors, the firm may invest your assets in mutual funds, exchange-traded funds (ETFs) and bonds, among other investments.

As with other firms, investment strategies are based on client needs and goals. 

How Long $1 Million 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 weighed potential expenditures for a prospective retiree with a  $1 million nest egg to assess how many years that fund would cover in retirement in America’s largest cities.

We 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 metro areas across the U.S.

We assumed the $1 million would grow at a net annual return of 2% after inflation. 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.