# Topsail Wealth Management LLC

> Topsail Wealth Management LLC is an SEC-registered investment advisory firm in Charlotte, NC, registered since 2024, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 18, 2026.

- CRD: 331098
- Filed as: TOPSAIL WEALTH MANAGEMENT LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Charlotte, NC
- Filing period: October 2026
- Form ADV filing dated: September 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/331098
- AdvisorCensus page: https://advisorcensus.com/firm/topsail-wealth-management-llc-charlotte-nc-331098

## Quick answers

**How is Topsail Wealth Management LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Topsail Wealth Management LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Topsail Wealth Management LLC located?**
Topsail Wealth Management LLC's principal office is in Charlotte, NC, according to its Form ADV.

**Is Topsail Wealth Management LLC registered with the SEC or a state?**
Topsail Wealth Management LLC is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 331098.

**How much does Topsail Wealth Management LLC manage?**
Topsail Wealth Management LLC reports $1,309,690,152 in regulatory assets under management in its Form ADV filing dated September 18, 2026 (100% discretionary).

**How have Topsail Wealth Management LLC's assets and staff changed since 2024?**
In the Form ADV data for Topsail Wealth Management LLC: Regulatory assets under management: $875,692,224 in the October 2024 data and $1,309,690,152 in the October 2026 data, up 50%. Total employees: 3 in October 2024 and 5 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Topsail Wealth Management LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (127); individuals (other than high net worth individuals) (79); charitable organizations (2).

**Which custodians does Topsail Wealth Management LLC use?**
Topsail Wealth Management LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Topsail Wealth Management LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/331098

**Does Topsail Wealth Management LLC state an account minimum?**
Its Form ADV Part 2A brochure dated May 15, 2026 says: "Topsail generally requires a minimum account size of $1 million for investment advisory services, though we may accept smaller accounts at our discretion."

**What changed in Topsail Wealth Management LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $1,029,879,755 to $1,309,690,152 (+27%). Employees performing advisory functions went from 3 to 4. Registered or notice-filed in MO.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated May 15, 2026)

- Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)

> Topsail generally requires a minimum account size of $1 million for investment advisory services, though we may accept smaller accounts at our discretion.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $1,309,690,152
- Discretionary: $1,309,690,152
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 79 | $24,412,517 |
| High net worth individuals | 127 | $1,223,509,870 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 2 | $61,508,921 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 2 | $258,844 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2024 (2 years)
- Employees: 5 total, 4 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: CA, CT, DE, FL, GA, IL, KY, MA, MO, NC, NE, NY, OH, SC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [topsailwealthmanagement.com](https://topsailwealthmanagement.com)
- Facebook @topsailwealthmanagement
- Instagram @topsailwealth
- LinkedIn @topsail-wealth-management
- X @topsailwealth

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $875,692,224 | 3 | September 4, 2024 |
| October 2025 | $1,029,879,755 | 3 | July 21, 2025 |
| October 2026 | $1,309,690,152 | 5 | September 18, 2026 |

Regulatory assets under management: $875,692,224 in the October 2024 data and $1,309,690,152 in the October 2026 data, up 50%.
Total employees: 3 in October 2024 and 5 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $1,029,879,755 to $1,309,690,152 (+27%).
- Employees performing advisory functions went from 3 to 4.
- Registered or notice-filed in MO.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Topsail Wealth Management LLC (CRD 331098): Form ADV filing data as of October 2026.