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Fully Financial

Updated today

Client AUM

$108,249,153

Clients

119

Advisors

2

of 3 employees

About

Fully Financial is a fee-only SEC-registered investment adviser that works primarily with affluent and emerging-affluent households, their related entities (trusts, estates, family businesses), as well as endowments and corporate retirement plans. The firm offers comprehensive wealth management services, including investment management, financial planning, tax and estate planning, and retirement-plan consulting.

The firm’s investment approach is grounded in Modern Portfolio Theory and emphasizes broadly diversified, predominantly passive ETF and mutual fund portfolios with active asset-allocation and tactical adjustments. Fully Financial manages client accounts on a discretionary basis, implements written Investment Policy Statements, and pursues tax-aware practices such as asset location across held-away retirement accounts and tax-loss/tax-gain harvesting.

Compared with many peers, Fully Financial is notable for having transitioned from state to SEC registration shortly after its 2023 founding while remaining a fee-only, NAPFA-aligned adviser that does not delegate portfolio management to third-party managers. The firm also serves as a 3(38) investment fiduciary for employer retirement plans and integrates retirement-plan assets into clients’ holistic financial plans, combining individual household work with institutional retirement plan responsibilities.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning Retirement income strategy Tax-loss harvesting Business succession planning

Occupation focus

Founder/Business Owner Retired

Demographic focus

Mid-Career Professionals Approaching retirement

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Fee options

Fixed

Fixed/project-based financial planning fees, negotiated and disclosed in Advisory Agreement

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $3,000,000: 0.70% $3,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%

Project-based

$200 to $400 per hour for financial planning services, depending on staff expertise and complexity

Other

Account minimum: $450,000 Minimum fee: $4,500 annually (for clients with less than $450,000 assets); $5,000 annually (minimum fee for corporate retirement plan management and pension consulting services) Fee-only: Fee-only investment management, financial planning, and consulting services; no commissions

Main office

295 W Clayton St, Suite 100 B

Athens GA 30601

Advisors at this office

2

Most active in

Georgia · Louisiana · New Hampshire

Also doing business as

Fully Financial · Fully Financial, LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Ben J

CFP®, EA

Athens, GA

Fully Financial

Ben has been a practicing fee-only financial planner for more than 10 years. He co-founded Fully Financial to pursue his dream of opening his own financial planning firm and offering an even greater level of personal financial planning services to more people and families. Fully Financial is a premier boutique firm by design — intentionally and carefully built to prioritize high-touch, responsive, and full-service financial planning and investment management to individuals and families. At Fully, our purpose is to provide real financial advice that helps more people live their lives to the fullest. That's why we treat every single one of our clients as if they are family — and as a legal fiduciary, we always put their best interests first. Prior to opening Fully, Ben worked at a midsize fee-only firm where he served as partner and chief financial officer in addition to leading a financial planning team responsible for 200+ client households, managing $200M+ in assets, and overseeing the firm's HQ in Athens, Georgia. Ben is a CFP® Professional and an Enrolled Agent licensed to practice before the IRS. Committed to both his profession and his community, Ben currently serves on the board of directors for the National Association of Personal Financial Advisors (NAPFA) and as treasurer of Athens-based nonprofits Books for Keeps and Athens Pride. He also teaches part-time in UGA's financial planning program and previously served as chair of the UGA College of Family and Consumer Sciences Alumni Association. Ben is a "Double Dawg," having received both his master's degree in Financial Planning and bachelor's degree in Consumer Economics (summa cum laude with highest honors) from the University of Georgia.

Wealth management Founder/Business Owner LGBTQIA
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Ryan R

CFP®

Athens, GA

Fully Financial

Ryan Rasmussen is a CFP® professional with one year of industry experience, currently with Fully Financial in Athens, GA. His prior roles include positions at the University of Georgia and several wealth advisory firms. He also serves as a Personal Finance Educator for the Teachers Retirement System of Georgia, conducting educational presentations for retirement system participants. Fully Financial is a fee-only SEC-registered investment adviser serving affluent and emerging-affluent households, related entities, endowments, and corporate retirement plans. The firm offers comprehensive wealth management with an investment approach based on Modern Portfolio Theory, emphasizing diversified, passive portfolios with active asset allocation and tax-aware strategies.

General retirement planning Retirement income strategy Tax-loss harvesting Business succession planning Founder/Business Owner Retired Mid-Career Professionals Approaching retirement
View complete list of advisors at this firm
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