Topsail Wealth Management LLC

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Client assets under management

$1,247,922,387

Clients

206

62% high-net worth

Advisors

of 5 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

Typical

Average account size

$6,057,876

About

Topsail Wealth Management provides comprehensive wealth management and investment advisory services primarily to high-net-worth and ultra-high-net-worth families, along with related trusts, estates, retirement accounts, select corporations and family foundations. The firm’s brochure lists services including financial planning, investment advisory, tax and estate planning, trustee and bookkeeping services, and retirement plan consulting, and it generally requires a minimum account size of $1 million for investment advisory relationships.

The firm uses a customized, priorities-based process that begins with client interviews and questionnaires to develop an investment policy statement and strategic asset allocation, then implements portfolios using a mix of passive and active strategies, mutual funds, ETFs, individual equities, fixed income and, where appropriate, separate account managers. Topsail typically manages accounts on a discretionary basis, provides consolidated reporting and conducts regular (at least quarterly) reviews of client accounts.

Distinctive items in the brochure include sponsorship of a wrap fee program under which clients custodied at Altruist Financial or Charles Schwab are automatically entered and the firm covers trading fees at those custodians, along with a disclosure of related conflicts and policies to mitigate them. The firm also reports approximately $1.31 billion in discretionary regulatory assets under management while operating with a relatively small advisory team, yielding a high assets‑per‑advisor profile compared with many peers.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Tax strategies for small businesses Retirement plans for business owners (SEP, solo 401k) Passive / index investing

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

Annual flat advisory fee option available; minimum fees for bookkeeping ($250/month) and trustee services (minimum $10,000/year)

Percentage

$0 - $900,000: 1% $900,000 - $3,000,000: Flat $9,000 minimum fee $3,000,001 - $5,000,000: 0.30% $5,000,001 - $10,000,000: 0.20% $10,000,001 - $25,000,000: 0.10% $25,000,001+: 0.05%

Other

Account minimum: $1,000,000 Minimum fee: Minimum annual fee of lesser of $9,000 or 1% for accounts under $3 million Fee-only: Fee-only advisory services; no commissions

Main office location

Topsail Wealth Management LLC

10800 Sikes Place, Suite 230

Charlotte NC 28277, United States

Number of offices

Most active in

California · Connecticut · Delaware · Florida · Georgia · Illinois · Kentucky · Massachusetts · Missouri · Nebraska · New York · North Carolina · Ohio · South Carolina · Texas

Disclosures

Business activities & affiliations

Is not 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.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Instagram Website 980-308-9901

Advisors at this firm

Sara W

CFP®, Series 63, Series 65

Charlotte, NC

Topsail Wealth Management LLC

Sara Warntz is a CFP® professional with 13 years of industry experience. She currently serves as an advisor at Topsail Wealth Management LLC, joining the firm in 2024 after roles at Independent Advisor Alliance and THE Vanguard Group, Inc. Topsail Wealth Management provides comprehensive wealth management and investment advisory services primarily for high-net-worth and ultra-high-net-worth families, trusts, estates, retirement plans, corporations, and family foundations. The firm uses a customized investment process combining passive and active strategies, and manages over $1 billion in discretionary assets.

Wealth management Tax strategies for small businesses Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner Retired

Matthew S

CFP®, Series 63, Series 65

Charlotte, NC

Topsail Wealth Management LLC

Matthew Snipes is a Certified Financial Planner® with 20 years of industry experience. He is currently with Topsail Wealth Management LLC and previously worked at Independent Advisor Alliance and The Vanguard Group, Inc. He also provides trustee services for clients. Topsail Wealth Management offers comprehensive wealth management and investment advisory services primarily for high-net-worth and ultra-high-net-worth families, trusts, estates, retirement plans, corporations, and family foundations. The firm employs a priorities-based, customized investment process using a mix of passive and active strategies and manages just over $1 billion in discretionary assets.

Wealth management Tax strategies for small businesses Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner Retired

Matthew H

CFP®, Series 63

Charlotte, NC

Topsail Wealth Management LLC

Matthew Henry is a CFP® professional with nine years of experience in the financial services industry. He is currently with Topsail Wealth Management LLC, where he has worked since 2026. His prior experience includes roles at Edward Jones and The Vanguard Group, Inc. Topsail Wealth Management provides comprehensive wealth management and investment advisory services primarily for high-net-worth and ultra-high-net-worth families, trusts, estates, retirement plans, corporations, and family foundations. The firm employs a priorities-based, customized investment process using a mix of passive and active strategies, and it manages just over $1 billion in discretionary assets.

Wealth management Tax strategies for small businesses Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner Retired

Timothy S

Series 63, Series 65

Cincinnati, OH

Topsail Wealth Management LLC

Timothy Schwiebert is a financial advisor with Topsail Wealth Management LLC in Cincinnati, OH, holding Series 63 and Series 65 designations and 29 years of industry experience. Prior to joining Topsail in 2024, he worked for L.M. Kohn & Company for 26 years. Topsail Wealth Management provides comprehensive wealth management and investment advisory services primarily for high-net-worth and ultra-high-net-worth families, trusts, estates, retirement plans, corporations, and family foundations. The firm employs a priorities-based, customized investment process using a mix of passive and active strategies, and manages just over $1 billion in discretionary assets.

Wealth management Tax strategies for small businesses Retirement plans for business owners (SEP, solo 401k) Passive / index investing Founder/Business Owner Retired

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