Financial Management Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$80,600,000
Clients
520
Advisors
2
of 2 employees
About
Financial Management Advisors, Inc. serves individuals, businesses, estates, trusts and qualified plans with fee-for-service financial planning, retirement and estate planning, and investment management. Its advisory offerings include a range of portfolio programs—Conservative, Moderate, Aggressive, Long Only, Dynamic and Ultra Dynamic—as well as brokerage services and access to insurance products through its dually registered staff.
The firm uses both active investment management and a Dynamic Investment Management approach that relies on systematic technical chart analysis and frequent ETF trading; the Ultra Dynamic strategy can use margin to address settlement timing. It also offers blended, lower-volatility solutions that combine a core strategic allocation with a tactical active sleeve, and determines client strategy through a comprehensive interview of objectives, risk tolerance and time horizon.
Noteworthy for a firm of its size, FMA manages roughly $149.9 million for about 520 clients served by two advisors, producing an unusually high client-to-advisor ratio and suggesting reliance on standardized processes, custodial reporting and negotiated service arrangements for oversight and quarterly reviews. The advisers’ dual registration with a broker/dealer and as insurance agents allows commission-based product sales alongside fee-based management; the firm discloses and seeks to mitigate these potential conflicts through fee adjustments and account segregation.
Client services
Expertise
Occupation focus
Fee options
Fixed fees negotiated per project; example given $10,000 for a complex review
0.15% to 2.0% annually, negotiable and varying by client circumstances
Commissions from sale of securities and insurance products by registered representatives; commissions typically 1%-5.75% initially and .25%-1.25% annually for variable annuities; 1%-4% initially and .25%-1% annually for mutual funds
Hourly fees range from $150 to $400 per hour depending on complexity
Account minimum: $15,000 (Moderate Growth and Aggressive Growth programs; other programs have different minimums as detailed) Minimum fee: Nominal fee generally $100 fixed, paid semi-annually for variable annuity accounts after first year Fee-only: Advisory fees based on percentage of assets under management, negotiated fees, hourly fees, and fixed fees; no commissions on advisory accounts held at Schwab Advisor Services
Main office
115 N. Jackson Street
Tullahoma TN 37388
Advisors at this office
2
Most active in
Tennessee
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
James B
Series 63
Tullahoma, TN
Financial Management Advisors, Inc.
James Bratcher Jr. is a financial advisor at Financial Management Advisors, Inc. in Tullahoma, TN, with 44 years of industry experience. He holds a Series 63 designation and has worked at Financial Management Advisors since 2004, following prior roles at Securities Service Network, Inc. and Silver Oak Securities, Inc. Outside of his advisory work, he serves as managing member of TN Cannabis Company, LLC and is president of the Tullahoma Sports Council, a local nonprofit organization. Financial Management Advisors, Inc. provides fee-for-service financial planning and investment management to individuals, businesses, estates, trusts, and qualified plans. The firm offers various portfolio strategies ranging from conservative to ultra dynamic, using both active management and systematic technical analysis to tailor client strategies based on objectives, risk tolerance, and time horizon.
James B
Series 66
Tullahoma, TN
Financial Management Advisors, Inc.
James Bratcher is a financial advisor at Financial Management Advisors, Inc. with 19 years of industry experience. He holds the Series 66 designation and has worked at Silver Oak Securities, Inc. and Securities Service Network Inc. Bratcher serves as president of the Tullahoma Cal Ripken League, a local youth baseball organization. Financial Management Advisors, Inc. provides fee-for-service financial planning and investment management to individuals, businesses, estates, trusts, and qualified plans. The firm manages approximately $132.7 million for around 581 clients and offers active and dynamic investment strategies utilizing mutual funds, ETFs, and tactical reallocation.
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