Garner Financial Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$133,389,600
Clients
111
Advisors
1
of 2 employees
About
Garner Financial Management is a small, fee-only registered investment adviser that provides personalized portfolio management, retirement rollover guidance, and both project-based (flat-fee) and hourly consulting to individuals and business entities, including high‑net‑worth clients. The firm manages accounts on both a discretionary and non‑discretionary basis and delivers quarterly performance reports alongside custodial account statements.
The firm blends fundamental and technical analysis when selecting mutual funds and individual securities and employs both long‑term and short‑term trading strategies tailored to client objectives. It typically documents objectives in an investment policy statement, conducts periodic account reviews, and may operate under a limited power of attorney to execute agreed‑upon trades.
Distinctive features include single‑advisor ownership and a stated new‑account minimum of $500,000, while maintaining a relatively small client roster and offering flat‑fee and hourly alternatives in addition to asset‑based management. Garner discloses an economic incentive when recommending rollovers to IRAs, operates as fee‑only without third‑party compensation, and does not accept authority to vote client securities — clients retain proxy‑voting responsibility.
Client services
Expertise
Fee options
Flat fees for project consulting, negotiated and agreed upon in advance.
$0 - $250,000: 0.95% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.875% $1,000,001 - $2,500,000: 0.80% $2,500,001 - $4,000,000: 0.70% $4,000,001 - $6,000,000: 0.60% $6,000,001+: Negotiable
Up to $300 per hour, negotiated in advance.
Account minimum: $500,000 Fee-only: Fee-only investment advisor; no commissions received.
Main office
Franklin TN
Advisors at this office
1
Most active in
California · Tennessee
Also doing business as
Garner Financial Management · Garner Financial Management, Inc. · Garner, Robert James
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.
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