Tip Top Financial Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$526,000
Total clients
12
0% high-net worth
Total advisors
1
Firm size
Independent
1 advisor
Average clients per advisor
12
Average account size
$43,833
About
Tip Top Financial Advisors serves individual U.S. citizens and lawful permanent residents — including individuals, families, and certain for‑profit and nonprofit companies — through a wrap‑fee investment management program called the Life Investment Platform. The firm acts as sponsor and the discretionary portfolio manager for the Program and also offers financial planning services, including an hourly planning rate and a one‑time Life Investment Plan product for individuals and families.
The firm implements Models created by unaffiliated asset managers (Strategic, Tactical, Income Distribution, and Tax Aware) and relies on client Investment Profiles completed with an Advisor to select appropriate Models, while retaining discretion to implement or remove Models within accounts. Accounts are custodied at Interactive Brokers, transactions are directed through IB, and clients pay a percentage‑of‑AUM Program Fee assessed quarterly (with separate charges for the one‑time Life Investment Plan and other IB ancillary fees); clients retain proxy‑voting rights.
Distinctive features in the brochure include the firm’s small, retail focus (about a dozen clients and roughly $526,000 in AUM) combined with both portfolio management for individuals and standalone paid financial planning — a mix that is uncommon for firms in this category. The brochure also discloses adviser seminars and wholesaling support from Asset Managers, references to Primerica in client contact and administration, and an explicit provision that paid Life Investment Plans may be used by clients with other brokers, reflecting an uncommon blend of model implementation, planning deliverables, and third‑party distribution relationships.
Client services
Financial planning
Portfolio management
Expertise
Tax-loss harvesting
Income planning
Fee options
One-time Life Investment Plan fee, half due at signing and half due on completion
$250.00 per hour
Account minimum: $5,000.00 Minimum fee: Minimum of $5,000.00 per account
Main office location
Tip Top Financial Advisors
Gulf Breeze FL, United States
Number of offices
1
Most active in
Tip Top Financial Advisors 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.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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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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