Rising Tides Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$57,124,855
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
26
58% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
26
TypicalAverage account size
$2,197,110
About
Rising Tides Financial serves individuals (including high‑net‑worth clients), trusts, estates, and charitable organizations, providing comprehensive financial planning and both discretionary and non‑discretionary portfolio management. The firm also offers one‑time and hourly planning engagements and supports implementation by coordinating with custodians, attorneys, and outside accountants.
The investment process emphasizes passively managed, asset‑class portfolios—typically using index mutual funds and ETFs—formalized in a written investment policy statement and subject to regular review and rebalancing. The firm supplements its passive approach with fundamental, technical, cyclical and charting analyses to inform asset allocation and provides guidance for held‑away accounts as part of ongoing supervision.
The firm is led by an advisor with CFP® and CPA credentials and a graduate degree in taxation, and the brochure notes that tax preparation through a related accounting practice is no longer offered to new clients and is limited to legacy clients. Rising Tides’ use of fixed annual or hourly fees rather than a percentage‑of‑assets fee schedule, together with its work for charitable organizations, are features that set it apart from many independent, solo‑advisor peers.
Client services
Financial planning
Portfolio management
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Retirement withdrawal strategies
Occupation focus
Founder/Business Owner
Fee options
Hourly financial planning fee ranging from $500 to $750 per hour
Minimum fee: Annual fixed fee ranging from $24,000 to $60,000 Fee-only: One-time financial planning hourly fee ranging from $500 to $750 per hour
Main office location
Rising Tides Financial, LLC
Needham MA, United States
Number of offices
1
Most active in
Rising Tides Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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 not active or affiliated with:
-
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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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
Quick links
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