Pine to Palm Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$9,577,845
Total clients
50
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
50
Average account size
$191,557
About
The firm provides discretionary asset management and financial planning to individuals, high‑net‑worth clients, trusts, estates and business owners. It delivers ongoing portfolio management tailored to stated goals, time horizons and risk tolerances and charges asset‑based fees for its managed accounts.
Investment strategies are built from a mix of fundamental and technical analysis, charting, cyclical analysis and modern portfolio theory, with discretionary authority to implement and monitor portfolios and quarterly account reviews. The firm’s disclosures indicate it may employ options and other derivatives in separately managed accounts, and it describes the specific risks of options trading and derivative use.
Noteworthy differences from many peers include the principal’s licensed insurance practice, which consumes roughly 10% of their time and results in separate compensation for offering insurance products, and the adviser’s explicit use of derivatives/options in client accounts — both items the brochure identifies as potential conflicts of interest that are mitigated through disclosure and the firm’s stated fiduciary obligations. These features may be material for prospective clients assessing suitability and risk tolerance.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
Fee options
$500 to $2,500 fixed fee for financial planning
1.50% annually
Main office location
Pine to Palm Financial, LLC
Clermont FL, United States
Number of offices
1
Most active in
Pine to Palm Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Florida · Minnesota · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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
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