High Tide Advisory LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
High Tide Advisory LLC provides non‑discretionary portfolio management and financial planning to individuals, families, businesses, and employer‑sponsored retirement plans. Its services include plan‑based asset allocation, rollover and account‑type analysis, tax‑aware planning, insurance‑planning and estate‑planning coordination, and business retirement‑plan consulting.
The firm implements recommendations primarily through third‑party model portfolios (ETF‑ and index‑oriented models and, where appropriate, direct‑index sleeves) available via a model marketplace, and it requires written client approval before communicating trades to the recommended custodian. It follows a strategic, long‑term allocation approach, monitors approved models on an ongoing basis, and permits client‑approved standing platform authorizations for automated rebalancing and authorized tax‑loss harvesting.
The brochure discloses affiliated entities that offer tax‑preparation services and insurance placement, and that the firm’s principal allocates material time to those affiliates; HTA uses separate agreements, disclosure, and client choice to address the related conflicts. The firm also states it bears model‑marketplace and household subscription charges for recommended models (reimbursing clients if a charge is applied to an account) and may provide periodic planning, performance, or recommendation reports to clients.
Client services
Expertise
Fee options
Flat-fee financial planning: Basic $2,500; Intermediate $5,000; Comprehensive $7,500; Project-based engagements: e.g., retirement-plan implementation $2,500; tax-aware withdrawal analyses $1,500–$3,500; Business retirement-plan setup $3,500–$7,500
$0 - $300,000: Effective fee may exceed 1.00% due to $3,000 minimum fee $0 - $3,000,000: 1.00% annually $3,000,000+: 0.85% annually
Insurance commissions may be received through affiliate BJB Insurance Solutions LLC (not advisory fees)
$300 per hour; bundle options: five-hour bundle $1,400; ten-hour bundle $2,700
Account minimum: $300,000 or $3,000 minimum annual advisory fee Minimum fee: $3,000 minimum annual advisory fee for households below $300,000 in AUM, negotiable and may be reduced or waived Fee-only: Advisory fees based on AUM and minimum fee; flat financial planning fees; hourly consulting fees; business retirement plan consulting fees; project-based fees
Main office
Iron Mountain MI
Advisors at this office
1
Most active in
Michigan · South Carolina
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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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
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