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About
Southernmost Advisors LLC is a fee-only, registered investment adviser that serves individuals as well as institutional clients including businesses, other investment advisers, non-profits, and charitable organizations. The firm offers investment management and wealth management (investment management combined with financial planning), standalone financial planning, and limited tax‑preparation services.
The firm describes its investment process as systematic and evidence‑based, using rules‑based models and modern portfolio theory to construct broadly diversified, “enhanced index” portfolios implemented with individual securities and cost‑effective ETFs. Southernmost may engage Outside Managers (including Orion Portfolio Solutions) to manage portions of client accounts and generally operates with discretionary trading authority while allowing clients to impose written investment restrictions.
Southernmost is distinctive among independent advisers in that it manages client accounts exclusively through a wrap‑fee program and makes performance‑based fee arrangements available to eligible, qualified investors—both features that are uncommon for peers. The firm also offers tax preparation to planning clients, recommends institutional custodians (Altruist and Interactive Brokers), and is a recently formed practice led by a founder with CFP® and CFA® credentials; the brochure reports no assets under management as of April 8, 2026.
Client services
Expertise
Occupation focus
Fee options
1.50% annually
Up to 33% of outperformance over agreed benchmark for qualified clients
Minimum fee: Minimum monthly financial planning fee of $599 (can be offset by AUM fees) Fee-only: Financial planning service charged as a fixed recurring fee starting at $599 per month
Main office
Key West FL
Advisors at this office
1
Most active in
Florida · Pennsylvania
Disclosures
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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.
Forms ADV
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