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Sea Suite Financial

Sea Suite Financial LLC provides investment advisory and wealth management services to a diverse client base, including individuals, high-net-worth individuals, trusts, estates, businesses, and nonprofit organizations. As a fiduciary, the firm upholds a legal and ethical commitment to act in the best interests of each client, as outlined in its Code of Ethics.

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Our Specialized Financial Services

Investment Management

Investment strategies are built following internal due diligence and may include:

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  • Reallocating portfolios for diversification

  • Adjusting sector or asset class exposure

  • Holding cash positions as market hedges

  • Harvesting gains or losses

  • Managing risk based on client preferences

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Sea Suite Financial does not maintain custody of client assets; all funds are managed through Charles Schwab as the designated custodian under the terms of each advisory agreement.

Wealth Management Services

Sea Suite Financial delivers personalized wealth management solutions through both discretionary and non-discretionary investment management. This involves direct collaboration with clients to assess goals, risk tolerance, and financial situations, followed by the development of tailored portfolio strategies. Client portfolios typically include diversified, low-cost mutual funds and ETFs, as well as individual stocks, bonds, and CDs when appropriate. Legacy assets may also be retained for tax or strategic reasons.

The firm employs both an active, short-term-focused investment approach as well as a long-term-focused investment approach, adjusting allocations as needed to reflect market conditions or client objectives. Clients may set reasonable restrictions on portfolio holdings.

Retirement Account Services

For ERISA retirement accounts and IRAs, Sea Suite Financial acts as a fiduciary under ERISA and the Internal Revenue Code. Services include guidance on rollovers, account transitions, and distribution advice, always in alignment with the client's best interest. Potential conflicts of interest are disclosed, especially when advisory fees may result from recommendations.

Financial Planning Services

Sea Suite Financial offers comprehensive financial planning as part of its wealth management offering. Planning may cover:

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  • Investment and retirement planning

  • Education and personal savings strategies

  • Insurance needs and risk management

  • Charitable giving and estate considerations

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Clients may receive detailed written summaries, and referrals to tax or legal professionals when appropriate.

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