Little Rock, AR Office
TeamData sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Aptus Financial, LLC
Team
Firm-wide stats for Aptus Financial, LLC
About
Aptus Financial provides flat-fee financial planning and advisory services to individuals, trusts, charitable organizations, and employer-sponsored defined-contribution plans, offering packaged Comprehensive and Enhanced planning engagements plus ongoing subscription support. The firm emphasizes financial planning as its core service rather than discretionary portfolio management; clients retain control of their investment accounts and implement recommended strategies themselves.
The firm’s investment guidance stresses passive, long-term indexing, simple asset allocation, cash-flow management, and periodic rebalancing rather than stock selection or market timing. Aptus supports implementation and client education through structured touchpoints — regular review meetings, a monthly newsletter, and targeted educational programming such as a Foundation Plan for residents and employer financial-wellness/PSLF offerings.
Aptus is distinctive among similarly sized team advisors for operating a distributed group across multiple offices and remote planners while also publishing periodicals and delivering workshops and employer-facing programs, features that are relatively uncommon in the peer set. The firm’s business model relies on fixed planning fees and subscription-based ongoing support instead of percentage-of-AUM billing, and it commonly serves as a retirement-plan advisor (including 3(38) services) in addition to its individual planning work.
Based on Aptus Financial, LLC
Expertise
Based on Aptus Financial, LLC
Occupation focus
Based on Aptus Financial, LLC
Location
Little Rock AR
Advisors at this office
3
Advisors at this office
Sarah G
CFP®, Series 63
Little Rock, AR
Aptus Financial, LLC
Sarah Gutierrez is a CFP® with 10 years of industry experience, currently serving as an advisor at Aptus Financial, LLC since 2015. She holds a Series 63 license and is based in Little Rock, Arkansas. Outside of her advisory work, she is a 50% owner of Club 27, a salsa dancing and event venue, and serves on the Board of Directors for WEHCO Media, a publishing and cable company. Aptus Financial provides flat-fee financial planning and advisory services to individuals, trusts, charitable organizations, and employer-sponsored defined-contribution plans. The firm focuses on financial planning over discretionary management, emphasizing passive, long-term indexing, asset allocation, and client education through regular reviews and targeted programming.
Timothy Q
CFA®, Series 63
Little Rock, AR
Aptus Financial, LLC
Timothy Quillin is a CFA® charterholder with 17 years of industry experience. He has worked at Aptus Financial, LLC since 2017 and previously spent a year at Circumference Group. He is based in Little Rock, Arkansas, and holds a Series 63 license. Aptus Financial, LLC provides flat-fee financial planning and advisory services to individuals, trusts, charitable organizations, and employer-sponsored defined-contribution plans. The firm focuses on financial planning rather than discretionary portfolio management, emphasizing passive, long-term indexing, cash-flow management, and periodic rebalancing, while supporting clients through regular reviews, educational programming, and subscription-based ongoing support.
Charles D
CFA®, Series 63
Little Rock, AR
Aptus Financial, LLC
Charles Duncan is a CFA® charterholder with 25 years of industry experience. He has worked at Aptus Financial, LLC since 2018 and previously spent 18 years with Stephens Inc. Duncan serves on the board and finance committee of the P.A.R.K. Foundation, which supports at-risk youth in central Arkansas. Aptus Financial provides flat-fee financial planning and advisory services to individuals, trusts, charitable organizations, and employer-sponsored defined-contribution plans. The firm focuses on financial planning over discretionary portfolio management, emphasizing passive, long-term indexing, asset allocation, and client education through regular reviews and targeted programs.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)