Top financial advisors in Clearwater, FL
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you're moving to Clearwater, FL, or managing wealth here, you need an advisor who understands how Florida's tax landscape affects your finances. A common mistake is assuming no state income tax means low overall taxes, overlooking property and sales taxes that can impact your budget.
- Federal tax focus. Confirm how they integrate federal income tax planning with Florida's unique tax environment.
- Property tax insights. Ask how they help protect your home value given Florida's strong homestead protections.
- Wealth migration experience. Look for advisors familiar with relocating clients to Florida and the financial adjustments involved.
- Long-term cost planning. Ensure they consider sales and tourism-related taxes in your ongoing financial strategy.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Steven Z
Series 63, Series 65
Clearwater, FL
Atlantis Wealth Advisors LLC
Steven Zerbarini offers extensive experience in wealth management and Medicare planning, making him well-suited for clients navigating Clearwater's unique tax environment. His firm, Atlantis Wealth Advisors LLC, serves a diverse clientele including high-net-worth individuals and trusts, employing a mix of proprietary and third-party investment strategies with negotiable flat and asset-based fees, distinguishing him from advisors with more limited fee structures or client types.
Experience: 29 years
Avg account: $559,800
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Craig K
CFP®, Series 63, Series 65
Clearwater, FL
Independent Financial partners
Craig Koller offers expertise in retirement income strategy and tax-loss harvesting, crucial for managing wealth in Clearwater's unique tax environment. With 32 years of experience and CFP® certification, he operates within Independent Financial Partners, a large firm known for retirement-plan advisory and pension consulting, providing flat-fee financial planning tailored to individual and high-net-worth clients.
Experience: 33 years
Avg account: $225,569
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Nicole C
Series 66
Clearwater, FL
Chronos Wealth Management, L.L.C.
Nicole Chamberlain offers 21 years of experience in Clearwater, FL, with expertise in annuities and a Series 66 designation, making her well-equipped to navigate Florida's tax environment. At Chronos Wealth Management, she provides discretionary portfolio management and financial planning for individuals and pension entities, focusing on long-term trading strategies and serving high-net-worth clients with a 1.50% AUM fee.
Experience: 21 years
Avg account: $1,215,214
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Megan M
Series 66
Clearwater, FL
Merrill
Megan Martinez, based in Clearwater, FL, offers expertise in tax-loss harvesting and active portfolio management, which can help navigate Florida's unique tax environment. Affiliated with Merrill, a large firm known for integrated investment management and tax-efficient services, she serves mid-career professionals and high earners with a 1.10% AUM fee, distinguishing her through a blend of specialized strategies and broad institutional support.
Experience: 6 years
Avg account: $860,085
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Benjamin C
CFP®, Series 63
Clearwater, FL
Simplicity wealth
Benjamin Clark, a CFP® based in Clearwater, FL, offers expertise in tax-loss harvesting and wealth management, which is crucial for navigating Florida's unique tax environment. His firm, Simplicity Wealth, serves both individual and high-net-worth clients using a model-driven, fund-of-funds investment approach, and provides flexible fee structures including flat fees, distinguishing him from advisors with more traditional asset-based fees.
Experience: 3 years
Avg account: $202,617
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