T
T. Clark & Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$642,486
Clients
7
0% 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
7
Very LowAverage account size
$91,784
About
T. Clark & Associates is a small registered investment adviser that provides personalized financial planning and consulting to individuals, trusts, estates, charitable organizations and business entities. The firm offers fixed-fee financial planning, sells annuities and other insurance products on a commission basis, and places clients with third‑party money managers for investment management.
Instead of directly managing client assets, the firm evaluates clients’ situations (net worth statements, risk analyses, and documented investment objectives) and facilitates client onboarding and ongoing communication with third‑party managers; clients complete Investment Policy Statements and the managers execute the investment strategies. T. Clark reviews third‑party manager reports at least quarterly, describes available methods of analysis (e.g., fundamental, technical, cyclical) used by those managers, and discloses the market and manager-specific risks associated with such arrangements.
What is notable compared with many peers is that the firm’s managing member also operates as a licensed insurance agent and spends substantial time offering insurance products, a practice the brochure identifies as a potential conflict of interest that the firm discloses and mitigates. The firm also conducts public seminars and workshops at no cost and relies on solicitor arrangements—receiving ongoing portions of third‑party advisory fees—rather than sponsoring its own discretionary or wrap fee programs.
Client services
Portfolio management
Selection of other advisers
Expertise
Annuities
Fee options
Financial planning and consulting fixed fees up to $2,500 based on complexity
$50,000 - $1,000,000: 1.70% (Gradient Investments) + 0.70% (T. Clark) = 2.40% $1,000,001 - $2,000,000: 1.35% + 0.60% + 0.75% (T. Clark portion varies) (Gradient Investments + T. Clark) $2,000,001 - $3,000,000: 1.00% + 0.50% + 0.50% (T. Clark portion varies) (Gradient Investments + T. Clark) Over $3,000,000+: .80% + 0.40% + 0.40% (T. Clark portion varies) (Gradient Investments + T. Clark) $100,000 - $1,000,000: 2.00% (Gradient Investments) + 1.00% (T. Clark) = 3.00% $1,000,001 - $2,000,000: 1.65% + 0.80% + 0.85% (T. Clark portion varies) (Gradient Investments + T. Clark) $2,000,001 - $3,000,000: 1.20% + 0.60% + 0.60% (T. Clark portion varies) (Gradient Investments + T. Clark) Over $3,000,000+: .95% + 0.45% + 0.50% (T. Clark portion varies) (Gradient Investments + T. Clark) All non-managed assets+: 0.60% (Gradient Investments) + 0.30% (T. Clark) = 0.90% (minimum quarterly fee $25)
T. Clark sells annuities and insurance products for commissions (no specific amounts stated)
Minimum fee: Fixed fee for financial planning up to $2,500
Main office location
T. Clark & Associates
Parrish FL, United States
Number of offices
1
Most active in
T. Clark & Associates has reported serving >5 clients in these states in the last 12 months.
Florida
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:
-
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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