Larkins & Associates Financial Services, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides personalized financial planning and investment consultation to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. Services include comprehensive financial planning, retirement and estate planning, tax preparation and pension consulting, plus an ongoing Financial Advisory Program that advises on mutual funds, certificates of deposit and variable insurance products.
Advice is delivered on a primarily non‑discretionary, consultative basis: clients retain final decision authority and the firm does not custody client assets or recommend custodians. The firm documents client objectives in Investment Policy Statements, conducts periodic reviews (including quarterly reviews and multiple consultation sessions per quarter), and applies methods such as charting, fundamental, technical and cyclical analysis.
The firm’s business model combines advisory services with broker‑dealer and insurance activities: a related person is a registered representative of a broker‑dealer and an independent insurance agent, and the firm receives commissions from the sale of mutual funds and insurance products while also charging fixed and hourly advisory fees — a mix that is uncommon among peers. It also provides non‑investment services such as tax preparation and insurance brokerage alongside its advisory program, and it does not accept discretionary trading authority.
Client services
Expertise
Occupation focus
Fee options
Financial Advisory Program (FAP) fees are $360.00 per year, billed quarterly in advance.
Commissions from the sale of mutual funds and insurance products; mutual funds charge management fees (expense ratios) in addition to fees paid to LAFS.
Hourly rate of $30.00 per hour for consultation sessions (no fee for first 30 minutes).
Account minimum: $10,000 Fee-only: Consultation sessions at $30.00 per hour with no fee for the first 30 minutes.
Main office
3108 Peach Orchard Road, Suite 2
Augusta GA 30906
Advisors at this office
1
Most active in
Georgia
Also doing business as
Larkins & Associates Financial Services, LLC · Larkins, Betha & Assoc Finl Svsc · Larkins, Betha & Associates Financial Services
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is 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.
Is not active or affiliated with:
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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.
Forms ADV
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