Financial Advisors in
St. Petersburg, Florida

The cost of working with a financial advisor typically depends on the type of service model offered.

At Amuni, we offer a fee-based advisory structure designed to align your success with ours:

• Annual advisory fee: Typically, a percentage of assets under management (AUM), billed quarterly.
• No commissions on trades: Unlike brokerage models, you won’t pay per trade.
• Aligned incentives: An AUM-based fee ties our compensation directly to your balance. We only earn more when your accounts are worth more. The incentive is built into the arrangement rather than promised on top of it.

Every portfolio carries a different weight of work, so advisory fees scale with account size and complexity. You’re paying for the level of attention your accounts actually require. We lay out the full fee structure up front, before any commitment.

At Amuni Financial, there is no cost for an initial consultation with one of our Saint Petersburg financial advisors.

Here’s what to expect during your first conversation:

• A complimentary review of your current portfolio along with your financial goals and investment priorities.
• A chance to ask questions about our advisory process, fees, and services.
• No obligation to commit—just clear, objective information.

Think of it as nothing more than a conversation and a step toward understanding whether a fee-based investment advisory relationship is right for you.

Minimum investment requirements vary by advisor and service model. Many of our relationships begin at $1M or more in investable assets. The more important question is whether we’re the right fit for each other. At Amuni, minimums are based on the specific strategy or portfolio design that best fits your goals. Often, the first thing we do is help you see your full financial picture.

Many of our clients came to us without a complete understanding of what they had. In working together, we’re sometimes able to uncover accounts they’d forgotten or neglected. These assets may change the shape of what’s possible.

• Custom strategies may have higher minimums based on complexity.
• We offer flexibility around fund sources and timing. We’ll consider whether you’re investing a lump sum or planning phased contributions on a quarterly, semi-annual, or annual basis.
• Factors such as age, marital status, and employment status can influence the best way to get started.

Call (800) 868-6864 to schedule a complimentary, no-obligation call with one of our St. Petersburg, FL advisors to explore your options and see what’s possible.

Amuni uses a transparent, fee-based model designed to simplify costs and remove conflicts of interest.

Our structure includes:

• An annual percentage fee based on assets under management (AUM).
• Fees billed quarterly, directly from the account
• No trading commissions or hidden costs
• No additional fees for portfolio monitoring or reviews

We’re committed to delivering meaningful value—through experienced guidance, ongoing access, and the time we dedicate to understanding your goals. Our time is an asset, and we give it generously.

This structure ensures our interests remain aligned with your long-term financial goals.

Choosing a financial advisor in St. Petersburg, FL is an important decision. You should know that not all professionals who call themselves advisors offer the same level of service or qualifications.

Here are some potential red flags to watch for:

• Lack of transparency around fees or how the advisor is compensated.
• A narrow product offering, such as only selling insurance-based products (annuities) or high-commission solutions that can limit your liquidity.
• Pressure to buy proprietary products or frequent upselling.
• Promises of guaranteed returns investment products.*
• No formal investment strategy or documentation.
• Limited access to your advisor or frequent turnover.

It’s also important to understand an advisor’s licensing. For example, professionals selling variable annuities may only hold a Series 6 license, which limits their ability to help you build and manage a diversified investment portfolio. Look for advisors who are properly licensed—such as holding a Series 7 and 66—and check their background on FINRA’s BrokerCheck.

At Amuni, we offer a team-based approach that emphasizes full-service portfolio management, transparency, and delivering the most value for your advisory fee.

*Certain insurance products, such as fixed annuities, can offer contractual guarantees backed by the issuing insurer’s claims-paying ability. These are distinct from securities and investment products, for which guaranteed returns cannot be promised under regulatory standards.

Polaris and Vantage are advisory teams within Amuni, not separate firms or independent agencies. We organize our advisors into dedicated teams so that your account is supported by a defined group of professionals rather than a single individual. That structure matters most on the days it isn’t business as usual: if your primary advisor is unavailable, someone who already knows your account and your goals can step in without missing a beat.

Every member of your team operates under the same firm, which means the same standards and commitment to your interests. The team name simply tells you who’s accountable for your account and who can support it at any time.