# Gary Gragg

> Gary Gragg is a fee-only financial advisor at Gragg Financial in Shelby, North Carolina, who holds the PFS credential. Gary focuses on retirement planning, estate & legacy planning and tax planning. Gragg Financial reports charging a percentage of assets and hourly fees on its Form ADV.

Page: https://find.wellspent.co/advisors/gary-gragg/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Gragg Financial
- **Based in:** Shelby, North Carolina
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly
- **Assets under management (firm):** $215.4M across 475 accounts
- **Credentials:** PFS
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 4476409 (https://adviserinfo.sec.gov/individual/summary/4476409)
- **SEC registration:** Investment adviser representative in FL, NC, SC
- **Exams passed:** Series 65 (1999)
- **Firm size:** 12 employees
- **Disclosures:** None reported
- **Website:** https://www.graggfinancial.com

## Frequently asked questions

### Is Gary Gragg a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Gary holds no broker registration, and Gragg Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Gary charge for financial advice?

Gary's firm, Gragg Financial, reports charging a percentage of assets and hourly fees on its SEC Form ADV.

### Where is Gary Gragg based?

Gary Gragg is based in Shelby, North Carolina.

### What does Gary specialize in?

Gary's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Gary Gragg hold?

Gary Gragg holds the PFS credential.

### Is Gary Gragg registered with the SEC?

Yes. Gary Gragg is registered as an investment adviser representative in FL, NC and SC (CRD 4476409), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Gragg Financial manage?

Gragg Financial reports $215.4M across 475 accounts in assets under management.

### How do I contact Gary Gragg?

Through Gary's website, www.graggfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4476409): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.graggfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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