Top Financial Advisors in Asheville, NC

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The Colton Groome Financial Advisors team counts varioius professional certifications among them, including  Certified Financial Planner (CFP®), certified public accountant (CPA), chartered life underwriter (CLU), chartered financial consultant (ChFC), accredited investment fiduciary (AIF), chartered retirement plans specialist (CRPS) and qualified plan financial consultant (QPFC). (Advisors may have multiple accreditations.)

The firm serves high-net-worth and non-high-net-worth individuals. It also serves retirement plans and their participants, charitable organizations, trusts, estates, endowments foundations, corporations and other business entities.

All investment accounts are on a discretionary basis. There is no minimum requirement, though there may be a minimum annual fee. Though the firm is not an insurance agent itself, it is a fee-based firm because some advisors may earn commissions selling insurance.

The boutique wealth manager offers portfolio management, financial planning, retirement plan consulting, insurance strategy and trust services.

The firm primarily employs strategic asset allocation, using index funds as well as  actively managed funds and third-party managers. These are its stated main aims:

• “Protecting your hard-earned money from an investor's two worst enemies: market downturns and inflation
• “Leveraging knowledge and expertise from leading global resources
• “Focusing on independent thinking and research 
• “Targeting the real issues in the economy and markets that will affect your money”

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The ACT in ACT Advisors is an acronym for Act, Collaborate, Thrive. Founded in 2014, the fee-based firm is based in Asheville, with branch offices in Charleston and Raleigh. The team includes a number of  Certified Financial Planners (CFPs®).

ACT’s non-high-net-worth clients are more than double the number of high-net-worth ones. Accounts are only on a discretionary basis. The firm also serves banks and thrift institutions, pension and profit-sharing plans, trusts, estates, charitable organizations, state and municipal government entities, corporations and other business entities.

Some advisors may earn commissions as a broker-dealer, but advisors must still act in the best interest of the client. The investment minimum varies between asset management clients and passive strategy clients. 

ACT sponsors and manages a wrap fee program, which provides advisory and brokerage execution services for an all-inclusive fee. (Johnson is a registered representative of LPL Financial, an SEC-registered broker/dealer). 

The firm offers asset management, passive strategy asset management, financial planning and employer-sponsored plans participant advice.

ACT employs a combination of fundamental and technical analyses, along with Modern Portfolio Theory. It may undertake a long- or short-term trading strategy, based on the client’s objectives and risk tolerance. The firm can also advise on the purchase and sale of various types of investments, including but not limited to, mutual funds, exchange-traded funds (ETFs), variable annuity subaccounts, real estate investment trusts (REITs), equities and fixed income securities. 

Mutual funds are the most common investment at the firm.

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Founded in 2001, Altamont Capital Management features various professional certifications on its team, including certified public accountant (CPA) and  Certified Financial Planner (CFP®).

The firm is fee-based as advisors may receive commissions for insurance services. As is often the case, the assets of high-net-worth clients outshadow those of non-high-net-worth clients, though they comprise a fraction of the client base. Generally, the minimum to open an investment account is generally $150,000. All accounts are on a discretionary basis.

The group offers investment management, financial planning, retirement plan services and insurance services. In addition to individuals and families, it serves pension and profit sharing plans, trusts, estates, corporations and other business entities. 

Altamont takes the long view with investing. Its philosophy is based on three principles:

• Markets are efficient, leaving little room for outperformance.
• Better returns come with risk.
• High investment costs and poor tax management can be the largest detriment to returns. 

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Joel Adams and Associates serves individuals, high-net-worth individuals, families, trusts, estates, small businesses, charitable organizations and retirement plans. The firm also administers a wrap-fee program.

As a fee-based firm, its advisor may receive compensation from insurance companies or other third parties for the sale of products like annuities. However, as a fiduciary, the firm is obligated to put its clients' best interests first, at all times.

Adams and Associates offers its services on a discretionary basis. The team holds deisgnations such as Certified Financial Planner (CFP®) and certified public accountant (CPA). 

Adams and Associates, which generally has a long-term approach to client investments, primarily employs fundamental and technical analysis methods in developing investment strategies for its clients. The firm will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of clients.

At times, Adams and Associates may also buy and sell positions that are more short-term in nature, depending on the goals of the client or the fundamentals of the security, sector, or asset class. 

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Horizons Wealth Management is a fee-only firm with no minimum account size. The firm works with mainly individuals, the majority of whom are not high-net-worth clients. The only institutional clients at the firm are pension and profit sharing plans.

Wealth management fees are generally based on a percentage of assets under management while financial planning fees are charged hourly.

The Horizons team includes Certified Financial Planners (CFPs®).

Services include wealth management, financial planning, retirement planning, investment planning, insurance, tax planning and estate planning.

Strategic asset allocation is the primary tool used by investors at Horizons. The most common investment vehicle are exchange traded funds (ETFs), though other investments such as stocks and bonds may be used.

The following are methods of strategy according to the firm:

"Horizons Wealth Management uses strategic asset allocation, primarily using exchange traded funds as the investment vehicle. Each individual client’s portfolio is based on an Investment Policy Statement (IPS) agreement which dictates a client’s asset mix and risk tolerance. Each IPS is decided upon based on a risk questionnaire and approved by each client before implementation.

An IPS can be changed at each client’s request orascircumstanceschange. HWM will rebalance according to the IPS as needed. There are no guarantees of investment performance. There is a risk of investment loss anytime you purchase assets. Past performance is in no way an indication of future performance."

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White Oak Financial Management is a fee-based investment management firm headquartered in Asheville, North Carolina. The firm provides financial strategizing and asset management to a broad client base that includes individuals, retirement plans, estates, charitable organizations and small businesses. While the firm charges asset-based fees for advisory services, it may also receive commissions from the sale of insurance products, including annuities. As a registered investment advisor, White Oak is held to a fiduciary standard, requiring it to act in the best interests of its clients.

The team at White Oak includes professionals with the Certified Financial Planner™ (CFP®) designation, as well as others with experience in investment management and financial planning. Advisors are supported in continuing education and are supervised internally to ensure adherence to compliance standards.

There is no account minimum required to work with White Oak Financial Management. Clients may engage the firm through an advisory service agreement, investment management agreement or a retainer agreement, depending on the scope of services and the desired level of discretion.

Most of White Oak’s clients are individuals, both high-net-worth and otherwise, along with small business owners and charitable organizations. The firm emphasizes a personalized approach to investment management, tailoring advice and portfolio construction to the client’s goals, time horizon and risk tolerance.

White Oak’s investment strategies rely on a mix of strategic and tactical asset allocation. The firm employs cyclical, charting, fundamental, and technical analysis methods when selecting investments, and portfolios are constructed using a wide range of securities including individual stocks and bonds, ETFs, mutual funds, REITs and MLPs. Relative strength and market trends help inform tactical adjustments, while diversification across asset classes aims to manage portfolio risk over time.

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Wells Financial Management serves individuals, high-net-worth individuals, corporations, trusts, estates and charitable organizations on a discretionary basis, meaning the firm has the authority to supervise and direct your portfolio without prior consultation..

As a fee-only firm, all of its revenue comes from client-paid fees. Fees range from 1.25% of assets under management 0.50% or less, depending on how large a client's account balance is.

The firm includes a Certified Financial Planner (CFP®) designation.

Wells Financial Management proposes an appropriate strategy only after it fully understands the client's financial goals, risk tolerance, time horizon, income needs and tax situation. Further, the firm will review the suitability of each client's portfolio periodically as needs and circumstances change.

Individual equities are typically evaluated and selected based on fundamental qualitative research. Emphasis is placed on earnings and dividend growth, stability of the company, dividend yield, dividend stability and capital appreciation potential. Fixed-income investments may be used as a strategic investment, as an instrument to fulfill liquidity or income needs in a portfolio or to add a component of capital preservation. Wells Financial will generally evaluate and select individual bonds based on a number of factors including, without limitation, rating, yield and duration.

Wells Financial Management's investment strategies may contain a mix of fixed-income investments, such as bond funds or individual bonds, and equity investments, such as stock funds or individual stocks. There are instances where the firm may use passively managed index and exchange-traded funds (ETFs). It may also use alternative investments or strategies, such as real estate funds, arbitrage funds, absolute-return-oriented funds, commodity futures funds, distressed debt and hedge funds.