Instrumental Wealth, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$491,763,645
Clients
568
Advisors
5
across 2 offices
About
Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high‑net‑worth clients, business owners, trusts, and corporate and retirement plan sponsors. The firm reports approximately $507 million in discretionary client assets and also offers retirement‑plan consulting and related services.
The firm tailors wealth‑management engagements to clients’ objectives, typically allocating across mutual funds and ETFs while also accommodating fee‑based annuities, variable life policies, private placements and other alternative investments; Instrumental Wealth may use sub‑advisers to manage portions of client accounts. It emphasizes integrated planning for business owners—coordinating tax, legal, insurance and employee‑benefit considerations—and conducts ongoing, discretionary portfolio monitoring.
Instrumental Wealth’s brochure discloses several features that are less common among comparable team firms: it is a licensed insurance agency and its supervised persons sell commissionable insurance products and write fee‑based annuities through a third‑party broker‑dealer, and it advises on digital assets and privately placed securities. The firm also states that it uses endorsements, client testimonials and advertises third‑party ratings in its marketing, practices that it notes are atypical for firms in this category.
Client services
Expertise
Occupation focus
Fee options
Financial planning and consulting fees are fixed fees ranging from $1,000 to $15,000 depending on scope and complexity.
$0 - $100,000: 1.50% $100,001 - $250,000: 1.35% $250,001 - $500,000: 1.25% $500,001 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50%
Certain supervised persons offer insurance products on a commission basis separately.
Annual technology fee of $40 per account for clients with less than $50,000 in assets under management.
Account minimum: $250,000 Fee-only: Financial planning and consulting fees range from $1,000 to $15,000, negotiable, may be offset against investment advisory fees.
Main office
See office1 N Dale Mabry Hwy., Ste #1000
Tampa FL 33609
Advisors at this office
4
Offices (2)
Most active in
California · Colorado · Florida · Maryland · New York · North Carolina · Pennsylvania · South Carolina · Tennessee · Texas
Also doing business as
Instrumental Wealth, LLC · Tarit Advisors, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Quick links
Advisors at this firm
Matthew H
Series 63, Series 66
Tampa, FL
Instrumental Wealth, LLC
Matthew Harbert is a financial advisor at Instrumental Wealth, LLC with 12 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Northwestern Mutual Investment Services and Northwestern Mutual Wealth Management Company from 2015 to 2020. Outside of his advisory work, he serves as a committee member for The State College of Florida Foundation. Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high-net-worth clients, business owners, trusts, estates, and retirement plans. The firm customizes portfolios based on client risk tolerance, time horizon, and liquidity needs, utilizing a range of investment vehicles and integrated planning services for business owners.
Gabriella D
CFP®, Series 63, Series 65
Tarrytown, NY
Instrumental Wealth, LLC
Gabriella Del Monaco is a CFP® professional with three years of industry experience, currently advising at Instrumental Wealth, LLC. She previously worked at Ameriprise Financial Services, LLC and Cambridge Investment Research Advisors, Inc. Gabriella holds licenses as a New York insurance agent, focusing on life, health, and variable insurance products. Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high-net-worth clients, business owners, trusts, estates, and retirement plans. The firm customizes portfolios based on client risk tolerance and objectives, employing a range of investment vehicles and offering integrated planning services for business owners.
Andrew A
CFP®, ChFC®, Series 63
Tampa, FL
Instrumental Wealth, LLC
Andrew Allen is a CFP® and ChFC® with 17 years of experience in the financial services industry. He has worked at Instrumental Wealth, LLC since 2020 and previously held roles at Northwestern Mutual and University Consultants of America. Outside of finance, he is involved with University Consultants of America, where he assists prospective college students with admissions applications and coaching. Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high-net-worth clients, business owners, trusts, estates, and retirement plans. The firm tailors portfolios to client-specific risk tolerance and goals, utilizing a range of investment vehicles and integrated planning services for business owners.
David S
CFP®, Series 63, Series 65
Tampa, FL
Instrumental Wealth, LLC
David Silver is a CFP® professional with 21 years of industry experience, currently serving at Instrumental Wealth, LLC since 2020. Prior to this, he held various roles at Northwestern Mutual from 2004 to 2020. Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high-net-worth clients, business owners, trusts, and corporate and retirement plan sponsors. The firm focuses on integrated wealth management, often using mutual funds, ETFs, and alternative investments, while tailoring strategies to clients' objectives with ongoing portfolio monitoring.
Jordan A
Series 63, Series 65
Tampa, FL
Instrumental Wealth, LLC
Jordan Arnold is a financial advisor at Instrumental Wealth, LLC in Tampa, FL, holding Series 63 and Series 65 licenses with 12 years of industry experience. Prior to joining Instrumental Wealth in 2021, he worked for Northwestern Mutual in various capacities from 2014 to 2021 and also spent three years with Cedric Powell. Instrumental Wealth provides financial planning, consulting, and discretionary investment management to individuals, high-net-worth clients, business owners, trusts, and corporate and retirement plan sponsors. The firm typically allocates across mutual funds and ETFs, incorporates alternative investments, and emphasizes integrated planning for business owners by coordinating tax, legal, insurance, and employee-benefit considerations.
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