Gulfcoast Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$76,854,209
Total clients
282
7% high-net worth
Total advisors
1
of 7 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
282
Average account size
$272,533
About
GulfCoast Financial Services is a registered investment adviser that manages approximately $76.9 million for about 282 individual clients, including high‑net‑worth individuals, trusts, and estates. The firm provides discretionary portfolio management, financial planning, non‑discretionary asset allocation, and access to private (alternative) investments through third‑party sub‑advisors.
The firm's advice emphasizes client lifestyle choices as the basis for financial plans and uses modern portfolio theory and strategic asset allocation to construct and rebalance portfolios. It also manages held‑away retirement accounts via a third‑party platform and, for qualified clients, may place assets in side‑by‑side performance‑based sub‑advised strategies where fees are shared with the sub‑advisor.
Compared with peers, GulfCoast operates with a high client load per advisor (one advisor serving over 200 clients), which may affect how services are delivered and prioritized. The firm is affiliated with GulfCoast Tax Services (tax preparation, planning, bookkeeping and payroll), maintains broker‑dealer and insurance relationships, and has recently added annuity products that generate management fees — arrangements the brochure discloses as potential conflicts of interest.
Client services
Expertise
Fee options
Financial planning fixed fees between $250 and $2,500 per project
$100,000 - $250,000: 2.00% annually $250,001 - $750,000: 1.50% annually $750,001 - $2,000,000: 1.25% annually $2,000,001+: 1.00% annually
Commission-based compensation earned by registered representatives and insurance agents associated with the firm, separate from advisory fees
Financial planning hourly rates from $100 to $300 per hour billed in half-hour increments
Performance-based fees may be charged by sub-advisors for qualified clients only; GulfCoast Financial Services shares in these fees
Annual retainer agreements for financial planning with fees not to exceed half of original financial planning fees
Account minimum: $100,000 Minimum fee: Minimum fee of $150 per quarter for asset allocation services Fee-only: Financial planning fixed fees between $250 and $2,500 per project; hourly fees between $100 and $300 per hour
Main office location
Gulfcoast Financial Services, Inc.
248 N. Marion Avenue, Suite 101
Lake City FL 32055, United States
Number of offices
1
Most active in
Florida · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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