Tel: 772-233-2052 3441 SW Rivers End Way Palm City, FL 34990
Ride the Wave
About King Tide Advisors
We work with clients that value a financial advisor that helps them reach their financial goals.
Your situation is unique, how you respond to challenges and situations can be unique, but our priority to stay focused on your goals never changes. We help you talk about, define, and revisit your goals, and we work to adjust the plan to stay aligned with your goals.
We focus on: financial planning, investment management, tax efficient strategies, retirement strategies, small business retirement plans, education planning, estate planning.
Ross Cutler is the founder of King Tide Advisors. Ross previously lead a Relationship Management team, driving multiple business development activities across the company, focused on client service, and growing the client business to over $150 million. Ross provides comprehensive financial planning through a personal approach for each client. Ross is passionate about helping every client review their personal situation - this includes developing the right financial planning steps, the appropriate investment strategy, and estate planning considerations. Ross holds the CFP® - CERTIFIED FINANCIAL PLANNER™ designation. He earned his Bachelor of Science from the United States Merchant Marine Academy and holds an MBA in Finance. He stays active in the Financial Planning Association (FPA) and the National Association of Personal Financial Advisors (NAPFA). Previously, Ross operated a ship brokerage company and served almost 10 years in the U.S. Navy, separating in 2012 as a Lieutenant.
YoungPark
YoungPark
Young Park is a Vice President, Senior Advisor with King Tide Advisors currently residing in the Washington D.C Metro Area. Young brings over 20 years of experience in the financial services industry, with expertise in broad levels of risk management. His past experience includes principal owner and agent for the Young Park, CPCU State Farm agency in Honolulu, HI.
Prior to joining King Tide Advisors, he was a top performing Relationship Manager where he managed over $45 million in client/household assets. Young also provides expertise in the area of Life insurance needs and Long term care risk/solutions. Young believes in delivering the right wealth management solutions to help clients realize their personal objectives and aspirations.
Young holds a Bachelor's degree in Business Marketing and Management from Ursinus College, as well the CPCU designation. He is bilingual in Korean and the former treasurer of the 101st Airborne Division (Air Assault) HHB Family Readiness Group.
General Information
Firm Start Year:
2021
No. of Employees:
2-4 Employees
Name of Custodial Firm:
Charles Schwab
Communities served:
We have clients nationwide. We have offices in Stuart FL and Washington DC area. We have larger pockets of clients in Washington, DC, Stuart, FL, New York, NY, and Houston, TX.
Number of Years with Current Firm:
3
Work Experience:
King Tide Advisors - Assist clients with evaluating financial decisions, talking through and educating them on the differences between the decisions. Delivering a holistic relationship that covers each client's planning needs, including investments, insurance, retirement, and estate planning.
Previously I worked as VP of Business Development and managed at team of 15 advisors. This gave us the experience and understanding of how we want to mange client relationships. Our knowledge, experience, and expertise give us the ability to deliver the right services to our clients with the confidence and support they need.
Your Office, Email, Video Conference, Our Offices, Your Home, Our Office, Phone
Compensation and Fees
Fee Structure:
Fee-Only
Minimum Portfolio Size for New Managed Accounts:
250,000
Compensation Methods:
Based on Assets
Fee % Based on Assets:
1% or less
Minimum Fee Charged for Managed Accounts:
1%
Minimum Fee Charged for Hourly Planning Accounts:
$3,500 Planning Only
Firm Information
Firm's Number of Clients:
10+
Firm's Number of Planning Clients:
10+
Firm's Number of Managed Clients:
10+
Assets Managed by Firm:
20,000,000
Advisor's Number of Clients:
50+
Advisor's Number of Managed Clients:
50+
Advisor's Number of Planning Clients:
50+
Total Assets Under Management by Advisor:
$45,000,000
Financial Planning for Businesses
Small businesses now have access to the same 401(k) plans as big businesses. Having a 401(k) plan can help recruit and retain employees. It gives employees the ability to personalize their retirement planning strategy and set retirement goals. It can also provide employers tax advantages for offering the plan.
Financial Planning for Individuals
Our goal is to help clients align their work, family, health, and community through a financial plan. Understanding each client and family's intent helps our team develop and review the right path forward.
Portfolio Management
We work with each client to walk through the right portfolio solutions to keep their goals on track. Our team constantly monitors, adjusts, and rebalances portfolios based on each client's objectives.
Retirement Planning
Your life is unique and your retirement is unique. Today retirement can mean financial independence, playing golf, starting another career, traveling, watching grandchildren, or coaching a high school varsity team. We don't define retirement, we work with our clients to keep it on track.
Insurance Planning
We work with our clients to identify the right insurance needs to protect their assets and their family. We coordinate this effort with their insurance service or an insurance team that can help find the right solutions.
Tax Advice and Services
Conversion Strategies, appropriate retirement income strategies, managing portfolio changes - all of these can have an impact of your taxes. We work with your tax advisor to coordinate and develop the right strategy.
Education Funding and Planning
Education Planning (for yourself or your children) needs to occur well before mature learners or young scholars are poised to embrace higher education. Luckily, there are a number of government-encouraged educational planning tools that are available to individuals and families.
Investment Advice & Management
We utilize an in-house CFA to help build out our portfolios. Investment success comes from the proper asset allocation that matches the client's long-term investment goals with their ability to tolerate short-term market volatility. Allocation isn't just about the investments, it is also what type of accounts are holding those investments.
Money Management
Investment success comes from the proper asset allocation that matches the client's long-term investment goals with their ability to tolerate short-term market volatility.
Financial Advice & Consulting
It we are not the right fit for someone, we may know an advisor that is the right fit. We are happy to try and help people find the right advisor.
401K Rollovers
We streamline the process for rolling over 401k assets, we help manage the assets to align with the client's goals. Most 401k plans charge over 1% and participants are not aware of the costs. We typically charge the same fee with a much more personalized strategy and plan.
Annuities
Although we do not default to Annuities, some clients enjoy the safety and security of these investment vehicles. We offer a unique approach to this market with commission free annuities and working with others to solve client needs.
Estate Planning & Trusts
Our trust experience helps us provide guidance and support to our client's estate planning goals. We can help structure a plan and work with the right attorneys to build out the estate documents.
Wealth Management
We came from a Trust company. So our back ground, experience, and knowledge provides value to client's at almost any level.
Risk Management
One of the pillars of our investment strategy is managing the risk in the portfolio and helping our clients understand the risk. This keeps stick to the goal when things get rough and there will likely be a time when we are helping clients handle market fluctuations.
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Disclosures
WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
King Tide Advisors is an Investment Advisor registered with the State of Florida. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy, or the completeness of, any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication's conclusions. Please contact us at 772-233-2052 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions. Additionally, we recommend you compare any account reports from KTA with the account statements from your Custodian. Please notify us if you do not receive statements from your Custodian on at least a quarterly basis. Our current disclosure brochure, Form ADV Part 2, is available for your review upon request. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.
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