# Flaharty Asset Management

Flaharty Asset Management is a Bank / Wealth / Trust based in Clearwater, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Clearwater, United States
- **Region:** North America
- **Address:** Clearwater, FL, United States
- **Founded:** 2013
- **Assets under management:** Undisclosed
- **Website:** flahartyllc.com
- **LinkedIn:** https://www.linkedin.com/company/flahartyllc

## Regulatory record

- **CRD number:** 168495
- **SEC file number:** 801-78437
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-03-19T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0

## About

David Flaharty established Flaharty Asset Management in 2013 as a Florida-registered investment advisor headquartered in Clearwater. The firm serves individuals, high-net-worth households, and business entities, offering a combined service model of discretionary asset management and comprehensive financial planning. Its regulatory filings reflect a boutique practice structure, with the founder serving as the primary investment decision-maker and relationship manager for the majority of client accounts. The firm constructs portfolios primarily from individual equities, fixed-income instruments, and third-party mutual funds or ETFs, tailored to client-specific objectives rather than a single house strategy. Asset allocation spans US large-cap equity, investment-grade bonds, and select municipal-bond exposure — consistent with a tax-sensitive Gulf Coast clientele. Flaharty does not operate proprietary funds or structured products, instead leaning on a discretionary separate-account framework where client-by-client mandates drive security selection. Operating from a single Clearwater office, the firm maintains a lean headcount consistent with a lifestyle RIA practice. No separate institutional vehicle, philanthropic foundation, or multi-family-office platform has been disclosed. Flaharty Asset Management does not publicize aggregate AUM figures, and its Form ADV filings provide the primary window into its scale and client composition. As of the most recent public regulatory disclosure, the firm reported a client base concentrated in the Tampa-St. Petersburg-Clearwater metropolitan statistical area, with no disclosed satellite offices or expansion beyond its founding location. Flaharty's structural differentiator lies in its unconflicted, founder-accountable advisory model: every client relationship funnels through the founder as both portfolio manager and financial planner, eliminating the layered committee and sales hierarchies common to bank-affiliated wealth practices. This architecture — a single-advisor RIA with no external capital partners or parent institution — aligns compensation exclusively with advisory fees rather than product distribution or asset-gathering incentives. The absence of a multi-generational succession plan or junior partner track represents the key governance question for long-client-horizon households.

## Questions

### Does Flaharty Asset Management offer proprietary funds or pooled investment vehicles?

No. The firm constructs discretionary separate accounts using individual securities, mutual funds, and ETFs — all third-party instruments. Flaharty does not sponsor its own mutual funds, hedge funds, private equity vehicles, or structured products, which removes the product-manufacturer conflict present at larger bank-owned wealth managers.

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Updated: 2026-08-11T02:43:31.692Z

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