For Insurance Professionals

How High Tide Advisory can help your clients

Insurance conversations often uncover retirement income, investment account, tax-aware planning, estate, business, and real estate questions that require broader advisory coordination.

High Tide Advisory gives insurance professionals a controlled, compliance-conscious way to route those planning questions to a registered investment adviser.

Client scenarios where coordination may help

• A client has significant cash, CDs, old 401(k)s, IRA assets, business interests, or rental real estate and needs the full planning picture organized.
• A client asks about Roth conversions, retirement income, beneficiaries, taxes, estate planning, or investment account coordination.
• A client is near retirement and wants a written planning process before moving assets or making product decisions.
• A client has an insurance need that should be reviewed alongside investments, taxes, estate planning, and income goals.

Clear professional lanes

• Insurance professionals should not provide investment advice, explain advisory suitability, recommend High Tide Advisory, or instruct a client to transfer assets.
• Unpaid introductions may use approved language and approved links only.
• Any compensated solicitor, testimonial, endorsement, or introduction arrangement must be reviewed, documented, and approved before use.
• Insurance implementation, when applicable, may be provided through affiliated BJB Insurance Solutions LLC for separate compensation and creates conflicts that are disclosed to clients.

Approved next step

For a neutral, unpaid introduction, use the approved Meet Your Adviser link and allow the client to decide whether discovery is appropriate. High Tide Advisory will explain advisory services, fees, conflicts, disclosures, and engagement requirements directly to the client.