Advisory Account | Sunstate Bank Wealth Management

Professional Investment Management

Through its affiliate, Sunstate Wealth Management, LLC (“Sunstate Wealth”), advisory account services are offered to clients seeking portfolio management and investment guidance. These services include structured portfolio oversight, ongoing review, and access to a range of investment strategies.

Clients may select either a discretionary or non-discretionary advisory relationship, depending on their preferred level of involvement in investment decisions. In a discretionary relationship, Sunstate Wealth is authorized to make investment decisions on behalf of the client. In a non-discretionary relationship, client approval is obtained prior to the execution of transactions.

Investment advice is provided based on information supplied by the client regarding their financial circumstances, investment objectives, and risk tolerance. Advisory services do not guarantee the achievement of any specific investment outcome and are subject to market risk, including the potential loss of principal.

A man assisting an investing customer over the telephone

Key Features

Investment Advice

Investment recommendations are provided based on information supplied by the client, including financial profile, time horizon, and risk tolerance.

Ongoing Portfolio Monitoring

Client portfolios are reviewed periodically and may be adjusted, where appropriate, based on market conditions and updated client information.

Comprehensive Wealth Planning

Advisory services may include guidance related to financial planning topics such as retirement planning, education funding, liquidity considerations, and estate planning concepts.

Dedicated Relationship

Work directly with an investment advisory representative supported by a culturally aware, multilingual team.

Global Investment Access

Clients may be provided access to a range of investment products, including U.S. and international equities, fixed income securities, ETFs, mutual funds, and, where appropriate, certain third-party alternative investment vehicles.

A female advisor advising

What an Advisory Account Can Assist You With

Evaluating asset allocation and diversification approaches
Reviewing investment selection in relation to stated strategy and objectives
Providing guidance on retirement and transition planning considerations
Assessing global investment exposure, where applicable
Coordinating, where appropriate, with a client’s tax and legal advisors (Sunstate Wealth does not provide tax or legal advice)
Considering strategies related to transitioning from accumulation to income distribution

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Who This Account May Be Appropriate For

Advisory services may be appropriate for a range of client types, as described in Sunstate Wealth Management, LLC’s Form ADV, including:

Individuals and families seeking investment management services
Business owners and entrepreneurs
Trusts, estates, and other legal entities
Clients seeking investment guidance in connection with more complex financial circumstances

Why Work With Sunstate Wealth Management

U.S.-based investment adviser serving clients, including certain international clients, where permitted and subject to applicable regulatory requirements
Advisory services delivered through a client-focused approach based on individual financial circumstances and objectives
Multilingual support available (English, Spanish, Portuguese)
Asset-based fee structure as disclosed in client agreements and regulatory filings
Advisory services offered by Sunstate Wealth Management, LLC, with the ability to coordinate with banking and custodial solutions provided by Sunstate Bank, a separate legal entity

Two Advisory Models

Model	Description	Best For
Discretionary	For certain accounts and strategies, Sunstate Wealth Management, LLC engages an unaffiliated third-party investment adviser, BCP Advisors LLC (doing business as Vestiva), to provide discretionary portfolio management services pursuant to a written sub-advisory agreement. In these arrangements, discretionary authority is exercised by the sub-adviser in accordance with the client’s stated investment objectives, risk tolerance, and any applicable written restrictions. Accounts managed by BCP are custodied at Interactive Brokers LLC.	Clients who prefer ongoing portfolio management with limited involvement in day-to-day investment decisions.
Non-Discretionary	Most client accounts are managed on a non-discretionary basis. In these accounts, Sunstate Wealth Management, LLC provides investment recommendations based on the client’s financial circumstances, investment objectives, time horizon, and risk tolerance, and obtains client approval before executing transactions.	Clients who prefer to retain decision-making authority while receiving investment guidance from the firm.

Transparent Fee Structure

Your advisory account is fee-based and not commission-based.

Sunstate Wealth Management, LLC receives compensation for advisory services through asset-based advisory fees, wrap fees, flat fees, or hourly fees, depending on the services selected by the client. For ongoing investment advisory services, fees are generally calculated as a percentage of assets under management. Financial planning and consulting services may be billed on an hourly or flat-fee basis.

Applicable fees, billing terms, and related disclosures are set forth in the client’s advisory agreement and described in Form ADV, including the Wrap Fee Brochure, where applicable.

Promoter / Solicitation Disclosure

Sunstate Wealth Management, LLC (“Sunstate”) compensates certain promoters and solicitors for referring clients to the firm. These individuals are independent third parties and are not employees, agents, or representatives of Sunstate.

Promoters and solicitors are not authorized to provide investment advice, make investment recommendations, or act on behalf of Sunstate Wealth Management, LLC. Any investment advice is provided solely by authorized representatives of Sunstate pursuant to an advisory agreement.

Clients referred by a promoter or solicitor will receive additional disclosure regarding the nature of the referral arrangement and compensation in accordance with applicable regulatory requirements.

An advisor advising an older couple

Getting Started

Your advisory relationship begins with:

A discussion regarding your financial circumstances, investment objectives, and risk tolerance
A proposed investment approach and recommendation of discretionary or non-discretionary services, as applicable
Required documentation and regulatory disclosures, including Form ADV and Form CRS
Ongoing portfolio reviews and periodic updates, as applicable to the advisory relationship

Your advisory relationship is established with Sunstate Wealth Management, LLC, and investment advice is provided solely by authorized representatives of the firm. Promoters, solicitors, or other third parties are not authorized to provide investment advice or act on behalf of Sunstate Wealth Management, LLC.

Authorized representatives of Sunstate Wealth Management, LLC will guide you through each step of the onboarding and review process.

Ready to Explore an Advisory Relationship?

Contact Sunstate Wealth Management, LLC to schedule a confidential consultation and learn more about our advisory services and whether they may be appropriate based on your financial circumstances and investment objectives.

Schedule a Consultation

Important Disclosures

Advisory services are offered through Sunstate Wealth Management, LLC (“Sunstate”), an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training.

Investment advisory services involve risk, including the possible loss of principal. No investment strategy or recommendation can guarantee any specific outcome. Advisory services are provided based on information supplied by the client regarding their financial circumstances, investment objectives, and risk tolerance.

Sunstate Wealth Management, LLC is affiliated with Sunstate Bank; however, each entity is a separate legal entity. Client assets are held with qualified custodians, which may include Sunstate Bank or unaffiliated custodians such as Interactive Brokers LLC, depending on the advisory program and investment strategy selected. Custodial, execution, and margin practices may differ between custodians. Sunstate does not control the execution systems, margin policies, or operational practices of unaffiliated custodians.

For certain accounts and investment strategies, Sunstate engages unaffiliated third-party investment advisers as sub-advisers pursuant to written agreements. Sunstate has entered into a sub-advisory relationship with BCP Advisors LLC (doing business as Vestiva), an investment adviser registered with the U.S. Securities and Exchange Commission. In these arrangements, discretionary portfolio management is performed by the sub-adviser. Sunstate remains the primary client-facing investment adviser, retains fiduciary responsibility for the advisory relationship, and conducts ongoing oversight of the sub-adviser’s services.

Sunstate offers a Wrap Fee Program that provides investment advisory services, trade execution, and certain custodial services for a single asset-based fee. Depending on the level of trading activity and services utilized, the total cost of the Wrap Fee Program may be higher or lower than paying for advisory, brokerage, and custodial services separately. Additional information is provided in the Wrap Fee Brochure (Form ADV Part 2A, Appendix 1).

Sunstate compensates certain promoters and solicitors for referring clients to the firm. These individuals are independent third parties and are not employees, agents, or representatives of Sunstate. Promoters and solicitors are not authorized to provide investment advice, make investment recommendations, or act on behalf of Sunstate Wealth Management, LLC. Any investment advice is provided solely by authorized representatives of Sunstate pursuant to an advisory agreement. Clients will receive additional disclosure regarding such arrangements as required under applicable regulations.

Sunstate’s affiliation with Sunstate Bank and its use of sub-advisers and third-party service providers create potential conflicts of interest. Sunstate addresses these conflicts through disclosure, supervisory oversight, and its fiduciary obligation to act in the best interests of clients. Clients are not obligated to use any affiliated or third-party service provider.

INVESTMENT PRODUCTS ARE:

NOT FDIC INSURED
NOT BANK GUARANTEED
NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
MAY LOSE VALUE

INVESTMENT PRODUCTS ARE:

For additional information about Sunstate Wealth Management, LLC, including fees, services, and conflicts of interest, please review Form ADV Part 2A, the Wrap Fee Brochure (if applicable), and Form CRS, available upon request or at www.adviserinfo.sec.gov.

Wealth Management

Professional Investment Management