Commonwealth Financial Planners Inc
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
CommonWealth Financial Planners provides personalized financial planning and investment management to individuals, retirement plans, corporations, and small businesses, serving both high‑net‑worth and non‑HNW clients. The firm operates on a fee basis and also offers standalone financial planning on an hourly basis, with custody and trade execution handled through Raymond James affiliates.
The firm typically delivers advice and executes trades on a non‑discretionary basis, requiring client approval before transactions, and uses a mix of fundamental, technical, charting and cyclical analysis to develop recommendations. Implementation can include long‑ and short‑term positions, options, margin, and participation in fee programs; clients also have access to securities‑based lending where account assets may be pledged as collateral.
Distinctive features include that the bulk of reported AUM is managed non‑discretionarily (roughly $224 million) with only a small amount held in discretionary 3(38) retirement plan accounts, a profile that differs from peers that manage mainly discretionary assets. The firm offers Raymond James’ Ambassador wrap program and retains legacy IMPAC accounts (closed to new clients), and its advisors have affiliated broker‑dealer and insurance roles that can result in additional commission and lending‑related relationships clients should weigh.
Client services
Occupation focus
Fee options
$0 - $500,000: 1.50% annually (maximum, fees are negotiable) $500,000+: Graduated rates for Ambassador Program: $0-$250,000: 1.40%, $250,000-$500,000: 1.20%, $500,000-$1,000,000: 1.00%, $1,000,000-$2,000,000: 0.85%, $2,000,000-$5,000,000: 0.75%, $5,000,000-$10,000,000: 0.60%, $10,000,000-$25,000,000: 0.50%, Over $25,000,000: 0.40%
Commissions earned on insurance products and brokerage transactions separately from advisory fees.
Financial planning hourly rate is $175 per hour.
Account minimum: $500,000 Fee-only: Advisory fees based on assets under management, no commissions on advisory fees. Hourly fee for financial planning: $175/hour.
Main office
1033 Canton Street
Roswell GA 30075
Advisors at this office
2
Most active in
Florida · Georgia · North Carolina · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Michael A
CFP®, Series 66
Roswell, GA
Commonwealth Financial Planners Inc
Michael Agurkis is a CFP® and Series 66-licensed financial advisor with 20 years of experience, currently serving at CommonWealth Financial Planners Inc. in Roswell, GA. He has worked with Raymond James Financial Services, Inc. throughout his career and serves as Treasurer and Board Member of the Rotary Club of Roswell. CommonWealth Financial Planners provides personalized financial planning and investment management to individuals, retirement plans, corporations, and small businesses, serving both high-net-worth and non-HNW clients. The firm typically delivers advice on a non-discretionary basis using a blend of fundamental, technical, charting, and cyclical analysis.
Kelly G
CFP®
Roswell, GA
Commonwealth Financial Planners Inc
Kelly Graff is a CFP® professional with seven years of experience at CommonWealth Financial Planners, Inc., where she has worked since 2013. She is based in Roswell, GA, and is one of two advisors at the firm. CommonWealth Financial Planners provides personalized financial planning and fee-based investment management to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, corporations, and small businesses. The firm offers a range of services such as cash flow and tax planning, insurance review, retirement and estate planning, and acts as a 3(38) investment manager for certain 401(k) plans.
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”)