Couture Financial Inc.

Couture Financial provides customized investment management and financial planning services primarily for individual and high‑net‑worth clients, and is also available to trusts, estates, foundations and corporate retirement plans; the firm reports roughly $28.1 million in assets under management across about 44 client relationships and operates with two advising professionals. Services include discretionary and non‑discretionary portfolio management using mutual funds, stocks, bonds, ETFs, REITs and subaccounts within variable annuities, plus financial planning work covering tax, retirement, estate and insurance evaluations.

The firm combines fundamental and technical analysis with a tactical, actively managed approach, monitoring proprietary market indicators and adjusting allocations (including incrementally moving assets to cash, up to 100% in severe downturns). Couture Financial may engage third‑party sub‑advisors for portions of client portfolios and delivers periodic performance reporting and account reviews, typically on a quarterly basis.

Noteworthy distinctions include that several associated persons are licensed insurance agents and the firm operates as an independent Florida insurance agency; insurance product recommendations can generate commissions (the brochure discloses this activity is limited to about ten percent or less of advisors’ time and will be disclosed to clients). The brochure also documents recent material changes (an updated custodian relationship to Charles Schwab and a current AUM disclosure), notes the firm accepted a small PPP loan, and describes potential conflicts and disclosure practices when recommending external portfolio managers.