Gulfstream Advisory
Professional Investment Advice. Your Investments. Your Control.
Digital Investment Advice, Powered by Human Expertise and AI.
You don’t have to hand over your portfolio to receive a written analysis from an investment advisory firm. Keep your brokerage accounts, keep control of your investments and make your own decisions.
Gulfstream Advisory gives you a written analysis of the portfolio information you share with us.
A defined, non-discretionary service for a Subscription Fee of $99 per month, billed monthly until you cancel. No account transfers, no discretionary trading and no continuous account monitoring.
No purchase and no payment details. Requesting a free review does not enroll you in the $99 monthly service, authorize a payment, or subscribe you to marketing email.
If you choose Gulfstream Advisory: The Subscription Fee is $99 per month, billed monthly in advance until you cancel. It is not a twelve-month commitment; twelve monthly payments total $1,188. You can cancel online at any time. Cancelling ends the Service immediately and turns off renewal. After the Initial Termination Window you may instead choose to keep access until the end of the period you paid for.
Your Initial Termination Window is the first five business days after the later of delivery of all required documents to you and the Contract Entry Time. During it you may terminate without penalty and receive a refund of every Subscription Fee you paid. After it, if you cancel, we refund the unearned part of the Subscription Fee you prepaid, counted by the day, with no exit charge. Your exact deadline is shown with your agreement.
What it is
Gulfstream Advisory, in plain terms
A written analysis of the portfolio information you share with us, from an investment advisory firm, with your accounts and your decisions left with you.
Gulfstream Advisory is
- A written analysis service from Gulfstream Capital LLC, an investment adviser registered with the State of Tennessee.
- A way to keep your brokerage accounts where they are. Nothing is transferred.
- One fixed, documented method applied to the statement you share, with the result in writing.
- A team you can reach by phone or email.
Gulfstream Advisory is not
- An automated investing service. There is no account transfer and no automatic trading.
- Discretionary management. Gulfstream does not trade for you.
- Continuous monitoring of your accounts.
- Comprehensive wealth management or financial planning. That is Gulfstream Private Wealth.
Behind the service
Real investment professionals. Advanced technology. Your control.
Digital Investment Advice, Powered by Human Expertise and AI.
Software
Gulfstream software calculates your figures from one fixed, documented method and shows the method version with the result.
AI
An outside AI service reads the holdings from a redacted text version of your statement. It does not write your report.
People
The Gulfstream Investment Team stands behind the service. Call 865-874-6248 or email info@gulfstreamcapital.net.
We describe a report or observation as reviewed by a person only where a person recorded that review.
A practical comparison
Five ways to approach your investments
Gulfstream Advisory and Gulfstream Private Wealth are complementary services.
| A practical comparison | Do it yourself | General AI assistant | Automated investing service | Gulfstream Advisory | Gulfstream Private Wealth |
|---|---|---|---|---|---|
| Who makes trades? | You | You | Usually automated | You | Gulfstream, if you authorize it |
| Core benefit | Full self-direction | On-demand answers | Automated management | Written analysis of your statement | Comprehensive management, customized to you |
| Provided by a registered investment adviser? | No | No | Varies | Yes: Gulfstream Capital LLC | Yes: Gulfstream Capital LLC |
| Review of your portfolio | You do it | When you ask | Automated | Each statement you share | Within your agreement |
| Personal relationship | None | AI interaction | Varies | Our team by phone and email | More extensive |
| Pricing | No advisory fee | Plan-dependent | Provider-dependent | $99 per month | Separate advisory agreement |
Illustrative comparison; services vary by provider.
Where do you fit?
Find the right level of support
The question is not which model is best. It is how much investment responsibility you want to retain.
- I want to do everything myselfDo it yourselfYou research, decide, trade and monitor.
- I want help thinking through ideasGeneral AI assistantUseful research support; you verify and act.
- I want automated investingAutomated investing serviceA provider typically builds and manages a portfolio.
- I want expert advice, but I make the tradesGulfstream AdvisoryA written analysis of your statement | $99 per month
- I want professionals managing my wealthGulfstream Private WealthA deeper relationship | Separate advisory agreement
Gulfstream Advisory: expert guidance, your decisions. Gulfstream Private Wealth: comprehensive management, our responsibility.
The comparison
Where Gulfstream Advisory differs from a general AI assistant
A general AI assistant answers the question you ask. Gulfstream Advisory applies one fixed method to the statement you upload and gives you the result in writing.
ChatGPT is a widely used general AI assistant, shown here as an example. Other general AI assistants work in the same way for the purposes of this comparison.
| Where they differ | What a general AI assistant gives youChatGPT, Gemini, Claude, Grok, Copilot, Perplexity, Meta AI | What Gulfstream Advisory gives you |
|---|---|---|
| One method, applied the same way each time | Answers can vary from one run to the next, and depend on how the question is asked. | The score is calculated by software from one fixed, documented method, and the method version is shown with the result. AI does not write the report. |
| Concentration is measured by fixed rules | Whether concentration is looked at depends on the question you ask. | Concentration in your direct holdings is measured as the share held in your largest security and in your five largest, and scored against thresholds set in advance. An observation appears only when a fixed rule is met, and each one is tied to a number on your statement. |
| It tells you what it could not assess | What is covered depends on the question asked. There is no fixed list of what was and was not reviewed. | Only the categories your statement supports are scored. Each Snapshot shows how many of the possible points were assessed and lists the categories that were not. |
| A written Snapshot in a consistent layout | A chat response, shaped by your prompt. | Your Snapshot has the same sections every time: overview and allocation, the assessed component score with observations, and the contents of the complete report. |
| An investment adviser behind it | Offered as a general-purpose tool, not as an investment adviser’s service to you, and not run under an adviser’s compliance process. | Provided by Gulfstream Capital LLC, an investment adviser registered with the State of Tennessee (CRD 165832; CRD confirmed by the firm). Its Form ADV is a public filing. View the public record |
| Real people you can reach | Support is typically through the provider’s help center. | Questions go to the Gulfstream team by phone at 865-874-6248 or by email at info@gulfstreamcapital.net. |
| You read and sign the disclosures before you pay | Use is covered by the provider’s general terms of use, not by an adviser’s agreement and disclosures. | Before checkout can begin, you receive the written agreement and disclosures, acknowledge them and sign. A record of each step is kept. |
| Handling of your statement is written down | How an uploaded file is stored and used depends on the product, the plan and your settings. | Gulfstream software processes your statement. The Provider and Data Schedule lists each outside provider and what it receives, and you may ask us to delete your information at any time. Read the schedule |
| A fixed fee, and your accounts stay where they are | Pricing and plans vary by product. | $99 per month, billed monthly until you cancel. It is not a share of your assets and not a twelve-month commitment. Gulfstream does not hold your assets or trade for you. |
General AI assistants differ by product, plan and settings, and they change often. The descriptions in this column are general, were reviewed in October 2026, and may not describe every product or every version. The AI-assistant column describes general-purpose AI assistants in general terms; features differ by product, plan and use, and change over time.
ChatGPT, Gemini, Claude, Grok, Copilot, Perplexity and Meta AI are names of their respective owners. Gulfstream is not affiliated with, sponsored by or endorsed by any of them.
Keep Your AI Assistant. Add Gulfstream Advisory.
General AI assistants are useful tools, and you can keep using them. Gulfstream Advisory adds analysis of your own statement using one consistent method.
Two services
Gulfstream Advisory and Gulfstream Private Wealth
Both are built on the same investment philosophy. The difference is how much responsibility you want us to assume.
| Gulfstream AdvisoryExpert guidance, your decisions. | Gulfstream Private WealthComprehensive management, our responsibility. | |
|---|---|---|
| Primary service | A written analysis of the portfolio information you share | Comprehensive wealth management |
| Fee | $99 per month, billed monthly until you cancel | A separate advisory agreement |
| Trading authority | None. You place your own trades. | As you authorize in your agreement |
| Your accounts | They stay with your own custodian. | As set out in your agreement |
| Rebalancing | You decide and carry it out. | Gulfstream may carry it out, within your agreement |
| Financial planning | Not included | Within the agreed scope |
| Access to our team | By phone and email | A more extensive, personal relationship |
| Best suited to | Self-directed investors who want a written analysis | Investors who want Gulfstream to take a more comprehensive role |
Gulfstream Private Wealth is a sophisticated, fully customized service built around each client’s goals and risk tolerance.
Neither service is inherently better. They serve different needs. Gulfstream Advisory is a complete service on its own, and you are never required to move to Private Wealth.
Explore Gulfstream Private Wealth
Gulfstream Advisory
One investment philosophy. Two ways to benefit from our expertise.
You’re not subscribing to another AI tool. You’re hiring an investment advisory firm.
Gulfstream Advisory is a defined, limited-scope written analysis from Gulfstream Capital LLC. It is not investment management and does not include trading, custody or continuous monitoring.
See the difference
A fictional demonstration
Fictional demonstration Fictional demonstration using invented holdings and illustrative numbers. Not a client result, investment-return calculation or prediction. Actual reports depend on supplied data and measured categories.
The investor’s question: “Is my portfolio properly diversified?”
- Upload your statement.
- Ask about diversification.
- Review the response.
- Decide what to ask next.
- Next month, repeat the process.
You decide what to ask next, and you repeat the process.
Assessed component score
72/100
Fictional. Illustrative figure. It normalizes the categories measured from the statement; the coverage is shown beside the score in a real Snapshot.
- One invented holding makes up 6.1% of the invented portfolio. The analysis reports the share; it does not say whether to change it.
- The invented portfolio is spread across stocks, bonds and cash. Categories the statement cannot support are listed as not assessed.
- The score shows how many of the possible methodology points were assessed from the statement, and which categories were not.
The analysis organizes what your statement supports and says plainly what it could not assess.
Fictional demonstration using invented holdings and illustrative numbers. Not a client result, investment-return calculation or prediction. Actual reports depend on supplied data and measured categories.
All figures and holdings in this demonstration are invented and illustrative. They are not drawn from any actual portfolio and do not predict or promise any result. Gulfstream Advisory provides limited-scope portfolio analysis based on the holdings information you provide. It does not include a recommendation to buy, sell or hold any security, and it is not investment management. Under the Service Gulfstream does not take custody of your assets or trade for you. The Assessed Component Score describes measurable characteristics of the holdings on a statement; it does not indicate suitability or predict results.
What it costs
What $99 per month looks like as a share of a portfolio
| Portfolio value | Annual subscription | Cost as % of assets |
|---|---|---|
| $250,000 | $1,188 | 0.48% |
| $500,000 | $1,188 | 0.24% |
| $1,000,000 | $1,188 | 0.12% |
You don’t need to transfer your investments to Gulfstream to receive this analysis.
Keep your existing brokerage accounts.
Maintain control over your investments.
Receive written portfolio analysis for $99 per month.
Gulfstream Advisory is not discretionary investment management, personalized financial planning, or a dedicated advisor relationship. Those are available through Gulfstream Private Wealth under a separate advisory agreement.
Plain terms. The Subscription Fee is $99 per month, billed monthly in advance until you cancel. It is not a twelve-month commitment; twelve monthly payments total $1,188. You can cancel online at any time. Cancelling ends the Service immediately and turns off renewal. After the Initial Termination Window you may instead choose to keep access until the end of the period you paid for.
Your Initial Termination Window is the first five business days after the later of delivery of all required documents to you and the Contract Entry Time. During it you may terminate without penalty and receive a refund of every Subscription Fee you paid. After it, if you cancel, we refund the unearned part of the Subscription Fee you prepaid, counted by the day, with no exit charge. Your exact deadline is shown with your agreement.
The Service is not investment management. Gulfstream has no trading authority under it and does not monitor your accounts continuously. Under the Service Gulfstream does not hold your assets or trade for you.
Illustrative annualized cost equivalents. Your fee is a fixed $99 monthly, not an asset-based charge or a twelve-month commitment. Twelve monthly payments total $1,188, which equals 0.4752% of $250,000, 0.2376% of $500,000 and 0.1188% of $1,000,000. These examples do not compare service scope, value, results or another firm’s fees. Gulfstream does not add sales tax to the Subscription Fee. Cancellation, refund and full terms.
Questions
Frequently asked questions
Why wouldn’t I just use a general AI assistant?
Yes. You can use a general AI assistant, and many people do.
Gulfstream Advisory is a defined, limited service: a written analysis of the portfolio information you share, an Assessed Component Score and a direct-holding concentration analysis.
What does the subscription include?
The Service includes only the features described in your agreement.
Today that means the written portfolio analysis, the Assessed Component Score and the direct-holding concentration analysis, based on the information you supply. It does not include trading, continuous monitoring, or individualized tax or legal advice.
Does Gulfstream use AI?
Yes. Gulfstream software organizes the statement you provide and calculates the figures. An outside AI service (OpenAI), used through Gulfstream’s own OpenAI account, receives a redacted text version of the statement and is used to identify the holdings in it. AI does not write the report.
How OpenAI retains and uses that text is governed by OpenAI’s terms for Gulfstream’s account and the account settings in effect. Gulfstream’s own deletion times for its own copies are stated separately in the Security and Retention Schedule.
AI output can be wrong. We describe a report as reviewed by a person only where a person recorded that review. See the Disclosures page and the Provider and Data Schedule.
Can general AI assistants do some of the same things?
Yes. Many individual analytical tasks can be done with a general AI assistant.
The Service is a defined offering from Gulfstream Capital LLC with stated limits.
Why does Gulfstream charge monthly?
The Subscription Fee is a fixed $99 for each Service Period, collected monthly in advance, until you cancel. It is not a percentage of assets and it is not a twelve-month commitment.
Can I cancel, and what is refunded?
Yes. You can cancel online at any time, or by email to info@gulfstreamcapital.net. Cancelling ends the Service immediately and turns off renewal.
Your Initial Termination Window is the first five business days after the later of delivery of all required documents to you and the Contract Entry Time. During it you may terminate without penalty and receive a refund of every Subscription Fee you paid. After it, if you cancel, we refund the unearned part of the Subscription Fee you prepaid, counted by the day, with no exit charge. Your exact deadline is shown with your agreement.
After the Initial Termination Window you may instead turn off renewal and keep access until the end of the period you paid for. That is a separate choice, and no refund is due for that period.
Is the free Portfolio Snapshot really free?
Yes. The Snapshot is free with no purchase required and no condition on receiving it. Requesting one does not enroll you in the $99 monthly service, authorize a payment, or subscribe you to marketing email.
Can I ask for my information to be deleted?
Yes. Email info@gulfstreamcapital.net or call 865-874-6248 to request deletion. You do not need a paid subscription to ask. When we open your request, access to your Snapshot link is disabled at once. We then delete the information that is eligible and tell you what was deleted, what we must keep, why, and until when. A pending request does not confirm that a provider or backup copy has already been deleted.
Do I have to move my accounts?
No. You keep your brokerage accounts where they are. Gulfstream does not hold your assets, has no authority to trade for you and does not take custody of anything.
How is Gulfstream Advisory different from Gulfstream Private Wealth?
Gulfstream Advisory gives you a written analysis of the portfolio information you share, and you make your own decisions and trades. Gulfstream Private Wealth is a separate, comprehensive wealth management relationship under its own advisory agreement. Both are built on the same investment philosophy.
Is Private Wealth part of this?
No. Gulfstream Private Wealth is a separate full-management service under a separate advisory agreement and fee schedule. You do not need it to receive the Gulfstream Advisory services included in your subscription.
Your data
How we handle your information
We use the statement you upload to prepare your Snapshot or analysis. Gulfstream software and the outside providers named in the Provider and Data Schedule process it. You may ask us to delete your information at any time. We then tell you what was deleted and which records we must keep, why, and until when. A link expiring does not by itself delete a record.
Gulfstream Advisory provides limited-scope portfolio analysis based on the holdings information you provide. It does not include a recommendation to buy, sell or hold any security, and it is not investment management. Under the Service Gulfstream does not take custody of your assets or trade for you. The Assessed Component Score describes measurable characteristics of the holdings on a statement; it does not indicate suitability or predict results.
How it works
From free Snapshot to Gulfstream Advisory
- Step 1See the differenceAI assistants answer the questions you ask. Gulfstream provides a defined, limited-scope analysis of the statement you supply.
- Step 2CompareUse the comparison and the example above.
- Step 3Add your statementEnter your name and email, then add a PDF statement or JPEG/PNG page photos on the secure statement step. No purchase required. Do not send statements by ordinary email.
- Step 4Your statement is analyzedGulfstream software reads the statement, organizes the holdings it lists and calculates the figures. The outside providers involved are named in the Provider and Data Schedule.
- Step 5Receive your free Portfolio SnapshotIt is sent to the email address you gave. It shows an Assessed Component Score where your statement supports one, and up to three observations based on the holdings in your statement.
- Step 6Gulfstream Advisory, $99/monthGulfstream Advisory is $99 per month, billed monthly until you cancel.
Get Your Free Portfolio Review.
No purchase required. No payment details. Gulfstream Advisory is optional. ${esc(C.BRAND.promise)}
Prefer to have us manage your investments? Explore Gulfstream Private Wealth.