Couture Financial Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Couture Financial provides customized investment management and financial planning primarily for individual and high‑net‑worth clients, and also serves trusts, estates, and retirement plan participants. The firm manages client assets through mutual funds, ETFs, stocks, bonds, REITs and variable product subaccounts and reported about $29.99 million in assets under management as of June 30, 2026.
The firm employs both fundamental and technical analysis with a tactical allocation emphasis, monitoring proprietary market indicators and adjusting exposures — including moving incrementally to cash when conditions warrant. Couture Financial manages accounts on a discretionary or non‑discretionary basis, offers retirement and rollover advice as a fiduciary, and may engage sub‑advisors for specialized management when appropriate.
Notably, the firm’s advisors are licensed insurance agents and Couture operates an independent insurance agency, so insurance product recommendations can generate commissions — a practice the brochure highlights and distinguishes from typical advisory firms that do not earn commissions. The firm’s recent ADV amendments disclose a change of custodian to Charles Schwab, updated AUM figures, and the acceptance of a small PPP loan, and it discloses the use of external portfolio managers and related compensation considerations when recommending sub‑advisors.
Client services
Expertise
Fee options
$100,000 - $250,000: 1.75% $250,001 - $500,000: 1.50% $500,001 - $1,000,000: 1.25% $1,000,001 - $3,500,000: 1.00% $3,500,001+: 0.90%
Financial planning services at $250/hour for advisor time and $125/hour for staff time
Account minimum: $100,000 Minimum fee: Non-recurring establishment fee of $250; termination fee between $50 and $250 Fee-only: Financial planning services billed hourly at $250/hour for advisor time and $125/hour for staff time, fees negotiable
Main office
1800 2nd St., Suite 881
Sarasota FL 34236-5988
Advisors at this office
2
Most active in
Florida · Texas
Also doing business as
Couture Financial Inc. · Insurance Sales
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
-
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
Advisors at this firm
M C
Series 63, Series 65
Sarasota, FL
Couture Financial Inc.
M Couture is a financial advisor at Couture Financial Inc. with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Couture Financial since 1995. Additionally, he works as an independent insurance agent for various unaffiliated insurance companies, dedicating a small portion of his time to insurance sales and service. Couture Financial Inc. provides customized investment management and financial planning services primarily for individual and high-net-worth clients, as well as trusts, estates, and retirement plan participants. The firm uses both fundamental and technical analysis with a tactical allocation approach and manages client assets through a variety of investment vehicles.
Phillip C
CFP®, Series 63
Sarasota, FL
Couture Financial Inc.
Phillip Couture is a CFP® with 45 years of industry experience, currently serving as an advisor at Couture Financial Inc. since 1977. He also works as an independent insurance agent, dedicating part of his time to insurance sales and service. Couture Financial provides customized investment management and financial planning primarily for individual and high-net-worth clients, as well as trusts, estates, and retirement plan participants. The firm uses both fundamental and technical analysis with a tactical allocation approach and manages approximately $30 million in client assets.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)