PlannerFees

Brightwater Advisory, LLC fees and pricing

Financial planner in Tampa, Florida. Registered with the SEC.

According to its Form ADV Part 2A brochure dated March 16, 2026, Brightwater Advisory, LLC charges $200⁠-⁠$400 an hour and a flat or project fee of $400⁠-⁠$3,000 for financial planning.

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed March 16, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate
$200⁠-⁠$400/hr
“These fees are negotiable, but range from $400 to $3,000 on a fixed fee basis and from $200 to $400 on an hourly basis, depending upon the scope and complexity of the services and the professional rendering the financial planning and/or the consulting services.”
Flat or project fee
$400⁠-⁠$3,000

From the same sentence as above.

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Brightwater Advisory, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

  • “If assets in excess of $25,000 are deposited into or withdrawn from an account after the inception of a billing period, the fee payable with respect to such assets is adjusted to reflect the interim change in portfolio value.”
  • “In the event the Advisory Agreement is terminated, the fee for the final billing period is prorated through the effective date of the termination and the outstanding or unearned portion of the fee is charged or refunded to the client, as appropriate.”
  • “The terms and conditions of the financial planning and/or consulting engagement are set forth in the Advisory Agreement and Brightwater requires one-half of the fee (estimated hourly or fixed) payable upon execution of the Advisory Agreement.”

How Brightwater Advisory, LLC’s fees compare

  • Its hourly rate of $200-$400 spans the Florida median of $288. 51% of the 372 other Florida planners that publish an hourly rate charge less.
  • 11 of the 20 other planners in Tampa that publish an hourly rate charge less.
  • Its flat or project fee of $400-$3,000 is below the Florida median of $4,900. 20% of the 320 other Florida planners that publish a flat or project fee charge less.
  • 3 of the 20 other planners in Tampa that publish a flat or project fee charge less.

About Brightwater Advisory, LLC

“Brightwater, which also conducts business as Tampa Asset Management, offers a variety of advisory services, which include financial planning, consulting, and investment management services.”
From the firm's description of its advisory business in its Form ADV brochure.
  • Principal: David C. Maddux
  • Firm size: 5 employees.
  • Founded: 2013 (13 years).

Firm details from Form ADV

How the firm is paid
Hourly fees, fixed or flat fees, percentage of assets under management
Charges a % of assets
Yes
Highest asset based fee in brochure
1.5% a year
Clients
273
Employees
5
Works with
Individuals, high net worth individuals, pension and profit sharing plans, charities, and businesses
Services reported to regulators
Financial planning and portfolio management for individuals and small businesses
Assets managed
$303,758,272
Registered with
U.S. Securities and Exchange Commission
Disciplinary disclosures
None reported
SEC CRD number
169806
Website
x.com/brightwateradv (opens in new tab)
Phone
(813) 251-6310

Can advise clients in 5 states: Florida, Georgia, North Carolina, Texas, Virginia

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