Gulfcoast Financial Services, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm primarily serves individual and high-net-worth clients, offering discretionary investment management, financial planning, asset allocation advice, and non-discretionary allocation services. It also provides access to private (alternative) investments through third-party sub-advisors and may manage “held away” retirement or employer plan accounts via an aggregation platform.
Investment advice is delivered through individualized planning interviews and an asset-allocation process grounded in modern portfolio theory, with ongoing portfolio monitoring and discretionary rebalancing where authorized. For certain qualified clients, the firm may recommend sub-advisors that use performance-based fee arrangements, and the firm shares in those sub-advisor fees under the disclosed side‑by‑side management structure.
The firm operates as a solo adviser with an unusually high client load per advisor, which is uncommon among peers of its size. It is also notable for its affiliated tax and bookkeeping business and for the principal’s separate broker‑dealer and insurance licensure, arrangements the brochure discloses as potential conflicts of interest while also enabling integrated tax and insurance services.
Client services
Expertise
Fee options
Financial planning fixed fees negotiated ranging from $250 to $2,500
$100,000 - $250,000: 2.00% annually $250,001 - $750,000: 1.50% annually $750,001 - $2,000,000: 1.25% annually $2,000,001+: 1.00% annually
Commissions earned by registered representatives and insurance agent for purchase and sale of securities and insurance products, separate from advisory fees
Financial planning hourly rates from $100 to $300 per hour
Performance-based fees may be charged through sub-advisors for qualified clients; shared fee arrangement; GCFS itself does not charge performance-based fees
Asset allocation services offered with annual fee no more than 0.25% annually and minimum quarterly fee of $150
Account minimum: $100,000 (may be waived under certain circumstances) Minimum fee: Asset allocation services have a minimum fee of $150 per quarter Fee-only: Financial planning offered on a negotiated fixed fee basis $250 - $2,500 or hourly rate $100 - $300 billed in half hour increments
Main office
248 N. Marion Avenue, Suite 101
Lake City FL 32055
Advisors at this office
1
Most active in
Florida · Texas
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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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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
Quick links
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