Fee-only adviser · Tampa, FL
Brightwater Advisory, LLC
Brightwater Advisory, LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Tampa, Florida. On its latest Form ADV, filed March 16, 2026, it reports $304M in regulatory assets under management, 273 individual clients and 2 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 169806 · SEC file 801-110500 |
| Office | 4613 W. North a ST. Tampa, FL 33609 |
| Phone | (813) 251-6310 |
| Website | www.brightwateradvisory.com |
| Regulatory assets under management | $304M ($293M discretionary) |
| Individual clients | 146 non-high-net-worth, 127 high-net-worth |
| Financial planning clients | 101-250 |
| How it charges | Percentage of assets, Hourly, Fixed fee |
| Services | Financial planning, Portfolio management |
| Employees | 5 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | March 16, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It sponsors or manages a wrap fee program; ask what the bundled fee covers.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
Other fee-only advisers in Tampa
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- Fidelis Capital $2.3B
- Cassedy Financial Group, Inc. $248M
See all 43 fee-only advisers in Tampa →
Nearby
- Brandon 2 firms
- Lutz 3 firms
- Safety Harbor 2 firms
- Valrico 1 firm
- St. Petersburg 17 firms
- Clearwater 9 firms
- Largo 1 firm
- Palm Harbor 4 firms
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