Gutt Financial Management, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Gutt Financial Management, LLC is a fee-only investment adviser that provides personalized financial planning and investment management to individuals and other entities. Services described in the brochure include cash flow and tax planning, insurance review, education and retirement planning, estate planning, and ongoing investment management.
The firm uses a strategic asset-allocation, core-and-satellite approach that emphasizes passively managed index funds and ETFs as core holdings and selectively adds active managers, with portfolios globally diversified and managed on a discretionary or non‑discretionary basis. Client relationships are documented with investment policy statements, reviewed at least annually, and assets are typically custodied at discount brokers such as T.D. Ameritrade.
Gutt manages approximately $162,070,014 in client assets for roughly 58 clients and maintains a $1,000,000 stated account minimum, reflecting a focus on high‑net‑worth accounts and an absence of lower‑net‑worth individual clients. The firm highlights advisor education standards that include advanced coursework in taxation and financial planning, offers tax‑preparation services, and discloses a 2022 SEC settlement in which it consented to findings and was censured for failing to timely create and deliver a Form CRS.
Client services
Expertise
Fee options
Fixed fees are offered but specific amounts are not stated.
$0 - $2,000,000: 0.2500% $2,000,001 - $3,999,999: 0.2250% $4,000,000 - $4,999,999: 0.1875% $5,000,000+: 0.1500%
Hourly charges are offered but specific rates are not stated.
Account minimum: $1,000,000 Fee-only: Negotiable fees based on percentage of assets under management, hourly charges, and fixed fees.
Main office
3414 Peachtree Road NE, 103 Monarch Plaza
Atlanta GA 30326
Advisors at this office
1
Most active in
Florida · Georgia
Also doing business as
Gutt Financial Management · Gutt Financial Management, LLC · Gutt Michael Steven
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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