Thrifty Scotty Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment management and a range of financial planning services to individual and high‑net‑worth clients, including retirement planning, cash‑flow and debt analysis, college savings, business planning, estate planning, and risk management. Clients receive written or electronic financial plans and ongoing implementation support through comprehensive, project‑based, or hourly engagements.
The firm’s investment approach emphasizes passive portfolio construction using index mutual funds and ETFs, supported by fundamental and cyclical analysis and quarterly account reviews to align portfolios with stated objectives and tax considerations. Uncommonly for its peer group, it manages accounts primarily on a non‑discretionary basis—reporting roughly $4.06 million in non‑discretionary assets—and requires client authorization before effecting trades or portfolio changes.
What is distinctive about the firm is its fee model: advisory services are billed via a flat‑fee schedule rather than a percentage‑of‑AUM, and planning work is offered with upfront, fixed‑project, or hourly arrangements; the firm does not charge performance‑based or wrap fees and disclaims acceptance of third‑party sales compensation. The firm also recommends a custodian through an institutional custody program, does not typically aggregate trades across accounts, and limits custody activity to fee debits rather than broad custodial control.
Client services
Expertise
Fee options
Project based financial planning fixed fees, negotiable, typically half due at start and half at completion; Comprehensive financial planning includes an upfront charge plus ongoing fee based on complexity and needs.
$150 to $250 per hour depending on complexity, negotiable.
Fee-only: Hourly financial planning fee between $150 and $250 per hour, negotiable.
Main office
Round Rock TX
Advisors at this office
1
Most active in
Texas
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:
-
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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")