Informational Use Only
This website is for general informational purposes only and does not constitute an offer, solicitation, or recommendation of any security, product, service, or investment strategy.
Investment decisions should only be made after consulting qualified financial, legal, tax, and other professional advisors who can consider your specific circumstances.
Structure of Sunstate Entities
Sunstate Wealth Management, LLC is an SEC-registered investment adviser.
Sunstate Bank is a separate and distinct legal entity that provides banking and certain custodial or ancillary services.
Although both entities share common ownership under Sunstate Bancshares Inc., they:
- Operate independently
- Maintain separate supervisory structures
- Do not guarantee, insure, or supervise each other’s services
- Do not share responsibility for investment advisory activities
Investment advisory services are not offered by Sunstate Bank, are not FDIC insured, and are not deposits or obligations of the Bank.
Investment Product & Risk Disclosures
INVESTMENT PRODUCTS ARE:
- NOT FDIC INSURED
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, SUNSTATE BANK, SUNSTATE WEALTH MANAGEMENT, OR ANY AFFILIATE
- SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF PRINCIPAL
Product Availability & International Access
Products and services may vary by jurisdiction due to regulatory requirements, platform limitations, or client eligibility.
Sunstate may offer services internationally where permitted by applicable law.
Alternative Investments
Certain clients may have access to alternative investment strategies through third-party managers and investment platforms.
These investments are speculative and involve significant risks, including:
- Limited liquidity
- Limited transparency
- Higher fees
- Complex structures
- Potential for total loss of invested capital
Alternative strategies are intended only for sophisticated investors who meet appropriate financial and suitability criteria.
Sunstate does not act as the sponsor, manager, or issuer of any alternative investment product.
Securities-Based Lending & Margin Disclosures
Certain clients may access securities-based lending or margin arrangements through Sunstate Bank. These programs involve material risks, including:
- Forced liquidation without advance notice
- Maintenance or margin calls requiring additional collateral
- Amplified market losses
- Interest rate risk
- Reduced diversification when collateral is concentrated
- Potential tax consequences
Clients should review program documentation carefully and understand all obligations and risks before entering into any securities-based lending arrangement.
Endorsements & Testimonials Disclosure
Sunstate Wealth Management, LLC may use compensated paid promoters who provide endorsements or testimonials regarding our services. We do not use unpaid promoters, social media influencers, or referral agents.
All promoter activity complies with SEC Rule 206(4)-1.
Nature of Endorsements
Promoters may describe their experience with Sunstate or their relationship with the firm. These statements:
- Reflect individual experiences
- Do not represent the experience of all clients
- Should not be interpreted as guarantees of future performance
Compensation Arrangements
Promoters may receive monetary compensation under written agreements. Each advertisement or testimonial will include all disclosures required by the SEC, including:
- Whether the promoter is a client
- The nature and amount of compensation
- Any material conflicts of interest
Conflicts of Interest
Because promoters may be compensated, they have a financial incentive to provide positive statements. Sunstate reviews promotional content to ensure fairness, balance, and accuracy.
No Guarantee of Results
Endorsements and testimonials do not guarantee investment outcomes. Results will vary based on individual circumstances and market conditions.
Client Responsibility
Investment decisions should be based on an investor’s personal financial situation, goals, time horizon, and risk tolerance. Clients are encouraged to consult with qualified tax, legal, and financial advisors before acting on any information.
Compliance Commitment
Sunstate Wealth Management is committed to regulatory compliance, including:
- The Investment Advisers Act of 1940
- SEC Marketing Rule (Rule 206(4)-1)
- Regulation S-P (Privacy)
- Regulation S-ID (Identity Theft Red Flags)
- Applicable banking and custodial regulations
For questions about our disclosures or compliance practices, please contact Sunstate Wealth Management directly.
Privacy Policy (Regulation S-P)
Sunstate Wealth Management, LLC (“Sunstate”) is committed to protecting the confidentiality and security of our clients’ nonpublic personal information. In accordance with Regulation S-P, we maintain administrative, technical, and physical safeguards designed to:
- Protect the security and confidentiality of client information
- Defend against anticipated threats or hazards
- Prevent unauthorized access, use, or disclosure
We collect and maintain information necessary to provide investment advisory services. Sunstate does not share nonpublic personal information with third parties except as permitted or required by law, including:
- Service providers who assist in delivering advisory services
- Custodians and financial institutions designated by the client
- Regulatory authorities and law enforcement when required
A full copy of our Privacy Notice is available upon request.
Identity Theft Prevention (Regulation S-ID)
Sunstate maintains an Identity Theft Prevention Program, consistent with Regulation S-ID, designed to detect, prevent, and mitigate identity theft in connection with covered accounts. Our program includes:
- Identification of relevant red flags
- Employee training
- Authentication and verification procedures
- Monitoring of account activity
- Response and mitigation steps in the event of suspected identity theft
Business Continuity & Information Security
Sunstate maintains a Business Continuity Plan (BCP) designed to ensure the continuation of critical operations during business disruptions. Sunstate also maintains information-security controls designed to protect systems and client information from unauthorized access and cybersecurity threats.
Contact Information
If you have questions regarding Sunstate’s regulatory disclosures, privacy practices, or identity theft prevention procedures, please contact us directly.
© 2025 Sunstate Bancshares, Inc. All rights reserved.
Sunstate Bank and Sunstate Wealth Management, LLC are separate but affiliated companies under common ownership.
Sunstate Bank is a Florida-chartered bank. Member FDIC.
Sunstate Wealth Management, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.
Investment advisory services are offered only by Sunstate Wealth Management, LLC, not by Sunstate Bank.
Investment products are:
- NOT FDIC INSURED
- NOT BANK GUARANTEED
- NOT A DEPOSIT
- NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- MAY LOSE VALUE
Privacy Policy | Identity Theft Prevention | Business Continuity | Form CRS | ADV Part 2A
For questions regarding Sunstate Bank, please visit SunstateBank.com.
For investment advisory questions, contact Sunstate Wealth Management, LLC.