Peninsula Asset Management

What Peninsula Asset Management does

Peninsula Asset Management, Inc. is a privately held, fee-only registered investment advisor founded in 1982 and headquartered at 1001 3rd Avenue West, Suite 220, in Bradenton, Florida. The firm provides customized investment management services for high-net-worth individuals, trusts, IRAs, charities, endowments, foundations, and retirement plans across Manatee, Sarasota, Pinellas, and Hillsborough counties in Florida, recommending a $250,000 minimum account size. Portfolios are constructed using individual stocks of established companies, ETFs, U.S. Treasury securities, government agency bonds, corporate bonds, preferred stocks, and tax-exempt municipal bonds, tailored to each client's objectives, time horizon, tax situation, and risk tolerance.

The firm operates with 1-10 employees under an owner-operated model in which clients work directly with the principals, all of whom hold professional designations such as CFA, CFP, and AAMS. Peninsula is registered with the Securities and Exchange Commission under the Investment Advisors Act of 1940 and holds a fiduciary duty to act solely in each client's best interest. The firm does not earn commissions, does not sell investment or insurance products, and has no incentive payments that could create conflicts of interest. All client assets are custodied at Charles Schwab & Company as an independent third-party custodian, ensuring clients retain direct ownership and control of their accounts.

Revenue is generated entirely through management fees calculated as a percentage of assets under management, billed on an annual basis. The firm's distribution is exclusively direct: prospective clients reach the firm through its website and a published phone number, then engage in personal consultations with portfolio managers either in person or by phone. There is no proprietary technology platform, no integrations beyond the Schwab custodial relationship, and no digital onboarding or client portal beyond the custodian's standard online access and monthly statements.

Name

Peninsula Asset Management

Legal name

Peninsula Asset Management, Inc.

Website

https://peninsulaasset.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

Peninsula Asset Management is a fee-only SEC-registered investment advisor founded in 1982 in Bradenton, Florida, providing customized portfolio management for high-net-worth individuals, trusts, IRAs, charities, endowments, foundations, and retirement plans across four Florida Gulf Coast counties.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Target-Risk / Risk-Profile Model Portfolios (FSAAAJAD)

akta.pro secondary industry

Endowments (Universities, Foundations, Nonprofits) (FSAAAGAC)

Keywords

• Investment management services
• Wealth management advisory
• Fiduciary portfolio management
• Customized asset allocation
• Retirement portfolio planning

Headquarters

HQ city

Bradenton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Investment Management Fees: Fee-only investment management services where fees are based on the values of portfolios under management. The firm does not earn commissions, does not sell investment or insurance products such as mutual funds or annuities, and has no incentive payments that could create conflicts of interest.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Peninsula Asset Management provides fee-only, fiduciary investment management services, designing and managing customized portfolios for individuals, trusts, IRAs, charities, endowments, foundations, and retirement plans. Portfolios are constructed using individual stocks, ETFs, U.S. Treasury securities, government agency bonds, corporate bonds, preferred stocks, and tax-exempt municipal bonds, with assets held by Charles Schwab & Company as an independent custodian.

Product overview

Peninsula Asset Management offers a unified wealth management service centered on customized investment portfolio management. The primary offering is their Investment Management Services, which encompasses the construction and ongoing management of personalized portfolios using individual stocks of established companies, exchange-traded funds (ETFs), U.S. Treasury securities, government agency bonds, corporate bonds, preferred stocks, and tax-exempt municipal bonds. As a fee-only registered investment advisor with fiduciary duty, the firm serves clients including individuals, trusts, IRAs, charities, endowments, foundations, and retirement plans across Manatee, Sarasota, Pinellas, and Hillsborough counties in Florida. Portfolios are designed to meet each client's specific objectives, time horizon, and risk tolerance, with services including asset allocation, security selection, and ongoing portfolio adjustments.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Management Services Fee-only, fiduciary investment advisory service providing ongoing customized portfolio construction and management for individuals, trusts, IRAs, charities, endowments, foundations, and retirement plans. Portfolios are built using individual stocks of established companies, ETFs, U.S. Treasury securities, government agency bonds, corporate bonds, preferred stocks, and tax-exempt municipal bonds, tailored to each client's objectives, time horizon, tax situation, and risk tolerance, with assets held at Charles Schwab & Company as an independent custodian.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators3 records

Recent moves4 records

Expansion highlights2 records

Broad incumbents

• Creative Planning: Creative Planning is one of the largest independent fee-only RIAs in the U.S., serving HNW individuals, families, and institutions with comprehensive wealth management. It is comparable to Peninsula in fiduciary model and client base but operates at vastly greater scale with a national footprint.
• Schwab Wealth Advisory: Schwab Wealth Advisory is Charles Schwab's fee-based advisory service that provides portfolio management to retail investors, including those in the mass-affluent segment. As Peninsula's custodian, it represents both a partner and a potential competitor offering similar asset allocation services at scale.
• Fisher Investments: Fisher Investments is a large independent money manager serving HNW individuals and institutions with discretionary portfolio management. It competes with Peninsula for similar clients but offers institutional-scale discretionary management rather than local personal advisory service.
• Edelman Financial Engines: Edelman Financial Engines is a large national RIA providing fee-only investment advisory and wealth planning to individuals and institutions. It overlaps with Peninsula in fiduciary service model but serves a much broader client base through employer plan partnerships.
• Mariner Wealth Advisors: Mariner Wealth Advisors is a national fee-only RIA offering customized portfolio management to HNW individuals and institutions including endowments and foundations. Its service model and target clients mirror Peninsula's, but at significantly larger scale.
• Vanguard Personal Advisor Services: Vanguard Personal Advisor Services combines automated portfolio management with human advisor support at low fees (around 0.30%). It targets the same HNW retirement-focused client base as Peninsula but with dramatically lower fees and a digital-first delivery model.

Direct peers

• Facet Wealth: Facet Wealth is a fee-only, fiduciary digital RIA serving HNW individuals with personalized portfolio management. It competes directly with Peninsula for the same HNW client segment but delivers service through a hybrid model of remote advisors and technology, contrasting Peninsula's purely in-person Bradenton approach.
• Carson Group (Carson Wealth): Carson Wealth is a fee-only RIA that partners with and acquires independent advisors like Peninsula. It serves similar HNW individuals and institutional clients with customized portfolios, making it a comparable peer and a likely aggregator/successor for a small independent RIA.
• Ronald Blue Trust: Ronald Blue Trust is a fee-only fiduciary RIA providing customized portfolio management to individuals, families, and institutions including endowments and foundations. Its business model, fiduciary standard, and client mix closely parallel Peninsula's offering.

Emerging players

• Personal Capital (Empower Personal Dashboard): Empower (formerly Personal Capital) combines a digital wealth management platform with human advisor services targeting HNW individuals. It competes with Peninsula for tech-savvy HNW clients seeking a blend of digital tools and personalized advice, with lower account minimums.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Peninsula Asset Management