# Michael Gross

> Michael Gross is a fee-only financial advisor at Rising Tides Financial, LLC in Needham, Massachusetts, who holds the CFP, CPA and MST credentials. Michael focuses on retirement planning. Rising Tides Financial, LLC reports charging fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/michael-gross/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Rising Tides Financial, LLC
- **Based in:** Needham, Massachusetts
- **Fee model (firm's Form ADV):** Fixed fees
- **Fees (firm's website):** ongoing planning from $24,000 a year
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $59.9M across 27 accounts
- **Credentials:** CFP, CPA, MST
- **Specialties:** Retirement planning
- **Works with:** Pre-retirees, Retirees
- **CRD:** 6364261 (https://adviserinfo.sec.gov/individual/summary/6364261)
- **SEC registration:** Investment adviser representative in MA
- **Exams passed:** Series 65 (2014)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://risingtidesfinancial.com

## Frequently asked questions

### Is Michael Gross a fee-only financial advisor?

Yes. Michael Gross is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Michael's firm.

### How does Michael charge for financial advice?

Michael's firm, Rising Tides Financial, LLC, reports charging fixed fees on its SEC Form ADV.

### How much does Michael charge?

According to Rising Tides Financial, LLC's website, checked October 28, 2026: ongoing planning from $24,000 a year.

### Does Michael work with clients virtually?

Yes. Rising Tides Financial, LLC says on its website that it works with clients remotely.

### Where is Michael Gross based?

Michael Gross is based in Needham, Massachusetts.

### What does Michael specialize in?

Michael's specialties include retirement planning. Michael works with pre-retirees and retirees.

### What credentials does Michael Gross hold?

Michael Gross holds the CFP, CPA and MST credentials.

### Is Michael Gross registered with the SEC?

Yes. Michael Gross is registered as an investment adviser representative in MA (CRD 6364261), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Rising Tides Financial, LLC manage?

Rising Tides Financial, LLC reports $59.9M across 27 accounts in assets under management.

### How do I contact Michael Gross?

Through Michael's website, risingtidesfinancial.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/39045): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.risingtidesfinancial.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.