Firm
Garner Financial Management
Franklin, Tennessee
Fee-only
Garner Financial Management at a glance
- One of 180 fee-only firms based in Tennessee in the Wellspent graph.
- 1 advisor is listed here, who holds the CFP.
- Its Form ADV reports 2 employees and 111 individual clients, 44 of them high net worth.
- Its average account is about $510,000 (assets it manages divided by its 299 accounts).
- Its website says it's taking new clients.
- It works with clients virtually as well as in person.
Fee-only advisors in Tennessee · What fee-only advisors charge in Tennessee
Facts
| Based in | Franklin, Tennessee |
|---|---|
| Website | garnerfm.com |
| [email protected] | |
| Phone | (615) 280-8510 |
Garner Financial Management fees
What the firm's own website says it charges, checked October 28, 2026. We keep a price only when the exact words stating it appear on the page.
| Asset-based fee | 0.95% a year on the first tier of assets |
|---|---|
| How it charges | Percentage of assets |
In the firm's words
"starting at 0.95% annually and going down from there" source
"Our fee structure utilizes a tiered fee schedule based upon assets under management (AUM), starting at 0.95% annually and going down from there." source
For comparison, fee-only firms that publish prices charge a median of $4,500 a year for ongoing planning, $2,000 for a one-time plan, $300 an hour, or 1% of assets. See the fee report.
What its SEC filing says
| Paid by | Percentage of assets · Hourly · Fixed fees |
|---|---|
| Assets managed | $153 million |
| Individual clients | 67 |
| High-net-worth clients | 44 |
| Accounts managed | 299 |
| Employees | 2 |
| Planning clients | 26-50 |
| Registered with | The SEC (801-79008) |
| Financial planning | Offered |
| Form ADV filed | February 11, 2026 |
| SEC record | CRD 131628 |