High Tide Advisory LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
High Tide Advisory LLC is a state-registered investment adviser founded in 2025 that provides non‑discretionary portfolio recommendations, subscription or flat‑fee financial planning, and standalone consulting to individuals and businesses, including retirement‑plan and business‑owner qualified‑plan design. The firm typically produces diversified ETF model allocations and monitors progress at least annually while clients implement trades through the custodian of their choice.
The firm’s investment approach draws on fundamental analysis, modern portfolio theory, tactical asset‑allocation overlays, and tax‑efficient strategies such as Roth conversions and 401(k) optimization; High Tide does not accept discretionary trading authority or custody of client assets. Fees are available as AUM tiers, fixed planning prices, project fees, and hourly consulting ($300/hour), and the firm recommends the Altruist platform to clients while allowing other custodians.
High Tide is notable for its affiliated businesses: High Tide Tax Solutions LLC provides fee‑based tax preparation and year‑round tax planning, and BJB Insurance Solutions LLC operates as an insurance agency; these relationships are disclosed, governed by separate engagement letters, and identified as potential conflicts of interest. The brochure discloses the principal’s time allocation (roughly 45% advisory, 50% insurance, 5% tax oversight), the ability to share custodial tax documents with client consent to support tax work, and the availability of standalone hourly and project engagements—features that are less common among peers in this category.
Client services
Financial planning
Portfolio management
Newsletters or periodicals
Expertise
Retirement income strategy
Roth conversion strategy
Retirement plans for business owners (SEP, solo 401k)
Tax strategies for small businesses
Fee options
Financial planning flat fees: $2,500 (Basic), $5,000 (Intermediate), $7,500 (Comprehensive); Project fees such as retirement-plan implementation $2,500; tax-efficient withdrawal analyses $1,500–$3,500
$0 - $3,000,000: 1.00% $3,000,001+: 0.85%
$300 per hour; prepaid packages $1,400 for 5 hours, $2,700 for 10 hours
Subscription financial-planning engagements (flat-fee or subscription basis)
Account minimum: $300,000 Minimum fee: $3,000 minimum annual advisory fee for households below $300,000 AUM Fee-only: Flat fees for financial planning ($2,500 Basic, $5,000 Intermediate, $7,500 Comprehensive); Hourly consulting $300/hour; prepaid packages $1,400 for 5 hours, $2,700 for 10 hours; Business retirement-plan consulting ongoing fee typically 0.50% of plan assets for plans > $500,000; Project-based fees (e.g., retirement-plan implementation $2,500)
Main office location
High Tide Advisory LLC
Iron Mountain MI, United States
Number of offices
1
Most active in
High Tide Advisory LLC has reported serving >5 clients in these states in the last 12 months.
Michigan · South Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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:
-
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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