Summit Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Summit Financial Advisors is an independent, state-registered advisory firm that serves individuals, qualified retirement plans, trusts, estates, charitable organizations, corporations, and other business entities. It provides financial planning, investment consulting, and qualified retirement plan consulting as its primary services and operates as a sole-owner advisory practice.
The firm’s investment approach emphasizes tactical asset allocation aimed at reducing risk and improving performance, drawing on Modern Portfolio Theory and tools such as Frontier Analytic and Morningstar for fund analysis and selection. Advice is delivered through consultations and periodic reports, but recommendations are non‑discretionary — the firm does not manage client portfolios and clients are responsible for implementing and monitoring recommended transactions.
A distinctive feature is that the firm’s representative is also a registered representative of LPL Financial LLC and may effect brokerage transactions and receive related compensation; the brochure discloses that the representative received Transition Assistance from LPL in 2025 and identifies this as a potential conflict of interest. The firm also departs from many independent peers by not charging percentage‑of‑assets fees — instead using hourly, fixed, or combined fee arrangements billed quarterly in arrears — and by not taking custody of client assets except for authorized fee deductions.
Client services
Expertise
Fee options
Fixed annual fees ranging from $1,000 to $50,000 per annum
Investment advisor representatives may effect securities transactions with typical and customary compensation; additional fees and commissions to LPL Financial LLC for brokerage services
Hourly fees billed at $100 to $300 per hour
Fee-only: Hourly fees ranging from $100 to $300 per hour; Fixed fees ranging from $1,000 to $50,000 per annum; Combination of hourly and fixed fees also possible
Main office
Bradenton FL
Advisors at this office
1
Most active in
Florida · Pennsylvania
Also doing business as
Paul J Koepfer · Summit Financial Advisors
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:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory 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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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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