Largo, FL Office

Thrive Capital Management advises individuals, high‑net‑worth clients, businesses and charitable organizations and provides discretionary portfolio management, financial planning, seminars, and access to private placement opportunities. The firm manages accounts using a mix of exchange‑traded funds, individual securities and third‑party money managers, and offers one‑time and ongoing planning and educational services.

Thrive constructs and monitors diversified model portfolios and applies fundamental analysis as part of its investment process, conducting formal quarterly reviews and rebalancing when models change. The firm also uses a third‑party sub‑advisor (AE Wealth Management) and may engage other unaffiliated managers to tailor strategies and enhance diversification for clients.

Distinctive aspects noted in the brochure include a disclosed regulatory consent agreement involving a member of management dating to 2017, and the fact that many investment adviser representatives are dually registered as insurance agents and may sell commission‑based insurance products (including through an IMO, Advisors Excel); the brochure states these dual roles and related marketing/incentive arrangements are supervised and disclosed. The firm also notes it receives non‑cash support from custodians and third parties to support its services and discloses the use of testimonials in its advertising.