Naples, FL Vanderbilt Beach Rd Office

Confluence Financial Partners provides holistic wealth management and financial planning to a mix of individual clients (including both non‑high‑net‑worth and high‑net‑worth households), professionals, business owners and corporate executives, and offers retirement plan consulting to plan sponsors and other institutional clients. The firm’s services include individualized investment management (Separately Managed Accounts and the Compass model service), comprehensive financial planning, and insurance referrals through an affiliated insurance entity.

Confluence operates as a fiduciary and manages accounts on both discretionary and non‑discretionary bases, using a combination of active and passive vehicles, proprietary managed stock portfolios overseen by an Investment Advisory Committee, and access to third‑party managers and sub‑advisors. The firm emphasizes asset allocation and macroeconomic analysis in portfolio construction, performs periodic rebalancing and reviews, and also uses supervised AI tools for real‑time notetaking and vendor due diligence to support client service and operational efficiency.

Compared with many multi‑team peers, Confluence’s client mix and service set include a notable focus on retirement plan consulting for ERISA plan sponsors — providing plan design, fiduciary best‑practices assessments, 404(c) consulting and participant education via its Pathways program — and relationships with investment company and other institutional clients, supported by its ability to allocate to third‑party managers, sub‑advisors and alternative/closed‑end fund structures. The firm manages several billion in client assets (approximately $7.6 billion reported as of June 30, 2026) and has recently adjusted its practice (for example, removing a minimum fee requirement and disclosing a revenue‑sharing arrangement), disclosures that are included in its most recent ADV.