Top 10 Financial Advisors in Miami, FL

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CI Private Wealth (CIPW) leads off our list of the top financial advisors in Miami. This massive fee-only firm also appears on SmartAsset's list of the top advisory firms in Florida and the U.S. 

The firm works with a mix of non-high-net-worth and high-net-worth individuals, as well as pooled investment vehicles, retirement plans, charities, state or municipal governments, other investment advisors, insurance companies and businesses.

While the firm does not impose a set account minimum, it typically looks to work with clients with at least $1 million in assets. Some investment strategies, however, may require accounts up to $100 million.

CI Private Wealth Background

According to CIPW's firm brochure, it provides wealth management solutions for individuals, families, pension plans, trusts, endowments, other institutional clients and private funds.

The firm is wholly owned by CIPW Holdings, LLC, which is a majority-owned subsidiary of CI US Holdings, Inc.

CIPW also says that it operates through several business units that have the flexibility to provide services on a discretionary or non-discretionary basis, depending on client preferences.

CI Private Wealth Investment Strategy

CIPW offers a wide range of investment strategies across different asset classes. These strategies are implemented through separately managed accounts, private funds and registered funds, among other means. Like many firms, CIPW customizes portfolios to the individual needs of clients. Portfolios may hold a combination of equities, investment-grade bonds, high-yield bonds, municipal bonds, liquid alternatives, real property or real assets, floating-rate bank loans, as well as both public and private funds. 

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WE Family Offices is the No. 2 firm in Miami and the state of Florida. This boutique firm works exclusively with high-net-worth and ultra-high-net-worth individuals. While WE Family Offices doesn’t have an account minimum, it charges a flat annual fee of $200,000 for its family office services.

WE Family Offices is a fee-only firm. The team holds multiple certifications, including the certified financial planner (CFP), chartered alternative investment analyst (CAIA), certified public accountant (CPA) and chartered financial analyst (CFA) designations.

WE Family Offices Background

WE Family Offices was founded in 2000 as TBK Investments. It was purchased by a major bank holding company, but in 2013 the firm's executive management team reclaimed the firm's independence, creating WE Family Offices. The independent, fiduciary firm is now wholly owned by WE Family Offices Holdings, and the firm's principals – Santiago Ulloa, Maria Elena Lagomasino and Michael Zeuner – each have an ownership interest in the firm.

The firm's name stands for Wealth Enterprise, which is the phrase the firm uses to describe its wealth management style. WE Family Offices selected this style of management because it believes that families that have been able to successfully grow and protect their wealth have done so because they managed their wealth as though it were a business enterprise. 

WE Family Offices strives to help its clients create their own wealth enterprise through its services, which include investment strategy and oversight, back office support and family advisory services. The firm states that its ultimate goal is to be a "committed advocate" to its client families' "long-term interests." 

WE Family Offices Investment Strategy

WE Family Offices takes a highly structured approach to build clients’ wealth enterprises. The firm’s process, which emphasizes families’ unique needs, is three-part:

• Phase 1: The firm gains an understanding of a family's wealth and dynamics, including their holdings, financial provider network, wealth transfer plan, values and communication practices.
• Phase 2: The firm creates a family's holistic plan. This phase includes an evaluation of risk, an assessment of potential tax and estate planning issues, a review of fee structures from outside providers and the alignment of a family's investment portfolio with their goals. 
• Phase 3: The firm executes the plan. WE Family Offices provides consolidated reporting, family governance support and education, cash flow analysis and investment oversight.

When it comes time to invest a client's money, WE Family Offices relies on an asset allocation investment strategy but leaves room for tactical adjustments to capitalize on the current economic environment. The firm also practices values-aligned investing, which uses traditional financial measures, as well as environmental, social and governmance (ESG) factors. 

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Finaccess Advisors is a fee-only financial advisory firm that does not have a set account minimum. Its clients include both non-high-net-worth and high-net-worth individuals, as well as pooled investment vehicles and corporations. 

As a fee-only firm, advisors do not receive transaction-based compensation like sales commissions on securities or insurance policies. The firm charges fees that are based on a percentage of assets under management. It also charges fixed fees and collects referral fees from account custodians. 

Finaccess Advisors Background

The firm was founded in 2009. This registered investment advisor is primarily owned by Grupo Finaccess SAPI de CV. Grupo Finaccess is made up of several companies, including Finaccess México, Finaccess Capital and Finaccess Servicios Corporativos. 

The firm’s services, which include wealth management and investment advisory services encompassing financial planning, retirement planning and trust services, are tailored to clients' specific needs, goals and objectives. 

Finaccess Advisors Investment Strategy

Finaccess Advisors says that it strives to preserve and grow its clients' wealth in a "sustained and sustainable manner," with an emphasis on risk management and corporate governance. Along with contributing to the growth of its clients, the firm says that it also wants to contribute to the advancement of society.

Finaccess Advisors’ investment committee is responsible for recommending investments for client portfolios. Investment recommendations are based on clients’ financial objectives and risk tolerance. Aside from its tailored strategy, Finaccess Advisors may also use long-term trading and short-term trading.

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Ingham Retirement Group, which also goes by Ingham Russell Investment Advisors, works with individuals, high-net-worth individuals and pensions plans. 

The practice is fee-based, meaning the firm earns income from commissions in addition to charging management fees. This presents a potential conflict of interest, but the advisors must always act in the best interest of the client.

Ingham, which has a minimum account requirement of $100,000, has employees with various certifications including the accredited investment fiduciary analyst (AIFA) and certified public accountant (CPA) designations. 

Ingham Retirement Group Background

Founded in 1991, Ingham Retirement Group has four principal shareholders: USRP Holdings, Inc.; KUSRP Acquisition, Inc.; KUSRP Holdings, Inc.; and Kohlberg TE Investors VIII, L.P.

Ingham Retirement provides model portfolio management, individual portfolio management, third-party money manager selection, pension consulting services and financial planning services.

Ingham Retirement Group Investment Strategy

When it comes to investment strategy, Ingham Retirement prioritizes asset allocation over security selection, looking to find the right balance of securities, fixed income, and cash for every client’s risk tolerance and investment goals. The firm has four general model portfolio strategies ranging from its Most Aggressive approach to its Conservative strategy. 

The firm also stresses the importance of a long-term perspective for clients looking to achieve stable investment returns. Consequently, it doesn’t spend much time engaging in short-term purchasing or trading. 

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GenTrust is a fee-based advisor that works primarily with high-net-worth individuals, as well as funds from foreign countries and institutions, and corporations.

To open an acount, you’ll need at least $10 million. To hit this account minimum, however, the firm allows family members to aggregate their accounts. Also, it may waive the minimum at its discretion, which explains how some non-high-net-worth individuals become clients. 

For Miamians eyeing retirement, it’s worth noting that GenTrust has a staff member certified specifically in retirement planning. Alongside a chartered retirement planning counselor (CRPC), GenTrust holds multiple certifications, including the certified financial planner (CFP), the certified investment management analyst (CIMA), the chartered financial analyst (CFA) and the certified public accountant (CPA) designations. 

GenTrust is considered a fee-based firm because some of its employees may earn commissions for selling securities or insurance products. These commissions are separate from and in addition to the firm's advisory fees – and the arrangement may pose potential conflicts of interest. That said, the firm is bound by its fiduciary duty to act in clients' best interests. 

GenTrust Background

GenTrust has been in business since 2011, making it one of the younger firms on this list. While the firm is principally owned by management, Kudu Investments US, LLC owns a passive, non-controlling minority stake in the business. 

GenTrust was founded by a team of experienced financial advisors and investors who wanted to combine honest investment advice with the risk management-focused investment style typically reserved for large institutions.

The firm’s services include wealth management, investment management, risk management, financial planning and consulting services. Additionally, it offers alternative investments and municipal bond management. 

GenTrust Investment Strategy

GenTrust's investment principles are based on academic and proprietary research. The firm's primary emphasis is on asset allocation, and it strives to achieve the optimal asset allocation for each client based on his or her risk tolerance. The firm aims to make client portfolios stable across market environments, and thus it relies on macroeconomic risk factors to set long-term asset allocation. To evaluate potential risk, the firm uses forward-looking scenario-based risk management. 

Aside from asset allocation, GenTrust prioritizes low costs, diversification and tax efficiency in its client portfolios. Though the exact construction of client portfolios depends on individual clients’ investment objectives, GenTrust typically uses independent managers, mutual funds, exchange-traded funds, individual debt and equity securities, options and futures.

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Alvarium Investment Advisors is a fee-only advisory practice that works with a small number of high-net-worth individuals and one charitable organization. Clients typically have an average net worth of at least $20 million, including $10 million in investable assets, making this a firm for wealthy clients in need of portfolio management and investment advice.  

The firm charges a management fee based on a percentage of assets under management. That fee is typically 1%. Additionally, Alvarium may charge fixed fees and performance-based fees. 

As a fee-only practice, Alvarium and its advisors are compensated only by the fees that advisory clients pay and don't collect sales commissions paid by third-party firms.  

Alvarium Investment Advisors Background

Founded in 2009, Alvarium is principally owned by Alti Global Wealth Management Holdings Limited. In January 2023, the firm's parent company merged with Tiedemann Wealth Management Holdings, LLC, TIG Trinity Management, LLC and TIG Trinity GP, LLC, and Cartesian Growth Corporation.

Alvarium focuses on investment advisory services, providing clients with investment strategies, asset allocation, investment manager selection and reporting. The firm offers its advisory services on both a discretionary and non-discretionary basis. 

Alvarium Investment Advisors Investment Strategy

Like many financial advisors, Alvarium works with its clients to establish their objectives, return expectations and risk tolerance. It then uses those factors to develop an investment strategy tailored to those needs.

Based on those variables, Alvarium may invest a client's assets into a combination of equity securities, exchange-traded funds, warrants, options contracts, futures and forward contracts, government securities, corporate debt securities, among others. The firm may also recommend that a client allocate a portion of their portfolio to hedge funds, private equity, real estate or other funds under the control of a third-party manager. 

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MAS Advisors works primarily with individuals and high-net-worth individuals, as well as pension and profit-sharing plans, insurance companies and corporations. As a fee-based firm, some advisors may earn third-party sales commissions on certain transactions. While this creates a conflict of interest, the firm and its advisors must act in your best interests. 

MAS has different minimums depending on the type of client. The firm generally requires individual clients to have a minimum account of $250,000. Institutional clients, however, must invest at least $10 million.

Members of the MAS team hold several financial certifications, including the chartered financial analyst (CFA) and chartered alternative investment analyst (CAIA) designations. 

MAS Advisors Background

MAS was founded as a limited liability company in 2012. Ricardo R. Calderon is the firm's principal owner, managing member and chief compliance officer. 

While the firm offers portfolio management and financial planning, MAS specializes in the design and management of separately managed accounts, dynamic alternative asset management and the design of tax-efficient investment plans.

MAS Advisors Investment Strategy

MAS offers both discretionary and non-discretionary investment advisory services. The firm manages and evaluates portfolios based on client financial goals and objectives. Services also factor in time horizon and risk tolerance. 

A majority of the firm's assets under management are invested in private funds, particularly alternative investment strategies like hedge funds and private equity investments. As a result, MAS notes in its firm brochure that certain alternative funds are intended only for sophisticated investors who can accept the risks that often accompany these types of investments. 

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Aliya Capital Partners is a fee-only practice with a $100,000 account minimum. However, all of the firm's individual clients are considered high-net-worth individuals. Aliya also works with pooled investment vehicles. 

The firm's fees are based on a percentage of assets under management and range from 0.10% to 1.75%. Clients are subject to a minimum annual fee of $1,000. Aliya also may charge hourly for various planning services. 

Aliya's fee-only status means its advisors do not sell financial products and insurance for third-party compensation. As a result, you won't need to worry about any conflicts of interest related to sales commissions. 

Aliya Capital Partners Backround

Aliya is a relatively new firm, having been founded in October 2020 by Ross M. Kestin and Emmanuel Hermann. The two co-founders own the firm through a pair of entities they each control.   

The practice specializes in both discretionary and non-discretionary investment advisory, portfolio management, investment consulting and financial planning. Advisors on staff may be specialists in areas like wealth management, asset allocation, cash management, financial planning and estate planning. 

Aliya Capital Partners Investment Strategy

Aliya invests client assets in a range of assets, including exchange-traded funds, mutual funds, equities, options, bonds, private placements and potentially other products. While a client's portfolio will be managed and invested according to their specific needs and objectives, the firm does employ industry-standard methods of selecting securities, including fundamental, technical and cyclical forms of analysis, as well as charting.  

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Element Pointe Advisors is a boutique firm that works almost exclusively with high-net-worth and ultra-high-net-worth individuals. Its minimum to be a client is $15 million, though it may waive the requirement at its discretion. 

The team holds multiple certifications, including certified financial planner (CFP) and chartered financial analyst (CFA) designations.

As a fee-only firm, Elemente Pointe advisors do not earn third-party commissions when clients purchase financial products. However, the firm's affiliated private funds charge performance-based fees, which can incentivize the use of riskier investments. 

Element Pointe Advisors Background

David Savir and Carlos Dominguez founded the firm in 2016. Prior to forming their own firm, both men served as vice presidents at J.P. Morgan Private Bank. Savir, Element Pointe's CEO, has also worked at Goldman Sachs and has a JD and MBA. Dominguez, who is the firm's president and chief investment officer, previously was a portfolio manager at Alpine Capital Partners and has an MBA from Stanford.

The fee-only firm offers investment management, financial planning, consulting and family office services. 

Element Point Advisors Investment Strategy

The firm tailors its advice to the client, but generally recommends exchange-traded funds (ETFs), mutual funds, individual debt and equity securities and independent investment managers. It believes that a portfolio's diversification should be across asset classes and geographies.

It uses a “core and satellite” approach that uses "low-fee index funds for beta exposure in large and efficient markets, while utilizing active managers/funds for exposure to specific sectors, geographies, concentrated positions, or asset classes where we believe that active management can add value."

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Creand Management rounds out our list of the top financial advisors in Miami. Creand is a fee-based firm that works with high-net-worth individuals. The firm requires a minimum account balance of $100,000 for investment management services. 

Clients engaging in wealth management services are charged a percentage of assets under management that ranges between 0.65% and 1.55%. The firm also offers financial planning services and advisory services at a maximum rate of $500 per hour. 

As a fee-based firm, some of the members of its advisory staff can earn commissions for products they sell. Nevertheless, they must act in your best interests, whether they are acting as your advisor or broker. 

Creand Management Background

Creand Management was founded in 2011 and is principally owned by Credit Andorra U.S.G.P.

The firm provides clients with investment advisory services, including asset management, as well as financial planning, estate planning and tax planning. 

Creand Management Investment Strategy

Depending on your risk tolerance and other factors, the firm may invest your assets in mutual funds, exchange-traded funds (ETFs) and bonds, among other investments.

As with other firms, investment strategies are based on client needs and goals. However, the firm may make both long- and short-term purchases, and also engage in trading, short sales, option writing and margin transactions.