Meet the adviser before your first planning conversation.
High Tide Advisory is a Michigan state-registered investment adviser providing non-discretionary advisory services and planning coordination for business owners, executives, real estate investors, and families preparing for retirement. Review the relationship, access current disclosures, and begin discovery when you are ready.
No obligation. Completing discovery does not establish an advisory relationship and does not authorize any recommendation, transaction, transfer, account opening, or investment action. It simply helps us prepare for a more focused introductory conversation. Current disclosures are available at hightideadvisory.com/disclosures.
The relationship is built before recommendations are made.
High Tide Advisory’s process starts with understanding your financial picture, goals, cash flow, tax exposure, insurance considerations, and estate planning concerns before specific recommendations are presented.
Investment advisory
Non-discretionary portfolio guidance and monitoring. Clients review and approve recommendations before implementation.
Financial planning
Retirement income, cash flow, and tax-aware planning designed around the client’s actual situation and documented goals.
Coordinated disciplines
Tax coordination and insurance planning may involve affiliated entities when appropriate. Use of affiliated services is voluntary and separately disclosed.
A simple, controlled path from introduction to engagement.
This page is designed to help prospects and referral partners understand the High Tide process without creating pressure, guarantees, or implied advisory services before an agreement is in place.
Review the adviser overview and disclosures.
This page introduces High Tide Advisory, the advisory process, the fee structure, and important disclosures. Current disclosures may be viewed at hightideadvisory.com/disclosures. Form ADV Part 2A, brochure supplement, privacy notice, and applicable disclosures are provided before or at the time an advisory agreement is entered into, as applicable.
Complete the discovery questionnaire when ready.
Discovery helps organize facts for an introductory conversation. It is not an advisory agreement and does not authorize recommendations or transactions.
Discuss your goals, concerns, and current financial picture.
The first conversation is used to understand your situation and determine whether High Tide Advisory may be able to assist.
Receive findings and potential recommendations.
Recommendations, when provided, are based on the information reviewed and are subject to client approval before implementation.
Advisory services begin only after a written agreement.
High Tide Advisory provides advisory services only after the required agreements are executed and accepted.
Clear advisory pricing.
Fees are disclosed before engagement and are billed according to the applicable advisory agreement. Fees are negotiable.
Portfolio guidance, monitoring, and implementation support.
Retirement income, cash flow, tax-aware planning, and estate coordination.
Regular review meetings and adjustments as circumstances change.
Recommendations require client approval before implementation.
0.85% per year on assets under management above $3,000,000.
$3,000 annual minimum for households under $300,000 in managed assets.
Tax preparation, legal, insurance, custodial, fund, or third-party expenses may apply and will be disclosed separately when applicable.
Use of affiliated tax or insurance services is voluntary. Insurance recommendations may create separately disclosed commission conflicts.
If you were introduced by a professional.
High Tide Advisory accepts unpaid, neutral introductions. The client remains in control of whether to meet, share information, or engage services.
- No obligation to meet with or hire High Tide Advisory.
- Referral partners are not authorized to provide investment advice, explain suitability, discuss specific recommendations, or instruct clients to transfer assets on behalf of High Tide Advisory.
- Introductions should not include performance claims, tax-savings claims, testimonials, endorsements, or statements that a client should hire High Tide Advisory.
- Insurance and tax services, when applicable, are provided through affiliated entities for separate compensation and create conflicts of interest that are disclosed to clients.
Ready to share your financial picture?
Begin the discovery questionnaire when you are ready. Your responses help prepare for a more focused introductory conversation. This is not an advisory agreement and does not authorize any investment recommendation, transaction, transfer, or account opening.