Top Financial Advisors in Augusta, GA

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Richard Young Associates, Ltd. is the first firm on our list, and it’s also the oldest. The firm has grown to serve more than 1,000 clients since its founding almost 50 years ago. All but around 150 of these clients are individuals without a high net worth; the other clients include high-net-worth individuals, pension/profit sharing plans, charitable organizations and corporations. In order to be a client of the firm, you need to have at least $50,000 invested among all of your accounts.

The firm employs a small team of advisors. Among them are those holding certifications including Certified Financial Planner™ (CFP®) and certified public accountant (CPA). Richard Young Associates is a fee-only firm, which means that it avoids the conflicts of interest found at a fee-based firm.

Portfolio management and financial planning are the firm’s core service offerings. The former typically comes in the form of the creation and implementation of an asset allocation strategy, while the latter usually involves retirement and tax planning.

Richard Young Associates conducts its investments according to modern portfolio theory (MPT), a Nobel-prize winning framework that concerns the relationship between risk and return in investing. In practice, this typically takes the form of portfolios which consist of no-load institutional mutual funds that represent 8 to 12 asset classes in several different markets. This is done to minimize volatility in both the short- and long-term. On average, portfolios tend to include more small and international stocks than other categories.

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Asset Advisors Investment Management provides personalized wealth management and discretionary investment services to high-net-worth individuals, other individuals, charitable organizations, pension and profit-sharing plans, and corporations.

In addition to investment management, the firm offers financial planning services on either a discretionary or non-discretionary basis. Asset Advisors also helps clients access third-party lending and insurance solutions through affiliates of its parent company, Focus Financial Partners. 

The firm primarily works with clients who have $1 million or more in investable assets and emphasizes a long-term orientation focused on wealth preservation and growth. Fees for investment management are generally 1% of assets under management, with a minimum annual fee of $3,000. Financial planning services are available for a fixed, negotiable fee depending on complexity and scope.

The practice manages portfolios using exchange-traded funds (ETFs), individual equities, municipal and corporate bonds, government securities and certificates of deposit. Its investment committee relies on fundamental and technical analysis, as well as market research, to build long-term, diversified portfolios. Clients may also impose reasonable restrictions on how their assets are managed.

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Firethorn Wealth Partners, LLC doesn’t impose any sort of account minimum, which is likely why non-high-net-worth individuals make up the largest portion of its client base. The firm also works with a number high-net-worth individuals, pension plans, charities and businesses.

This firm's advisory staff includes those holding the Certified Financial Planner™ (CFP®), accredited investment fiduciary (AIF) and certified investment management analyst (CIMA) designations.

Firethorn is a fee-based firm, as its advisors may be licensed to sell insurance products or securities for a commission. While this has the potential to be a conflict of interest, the firm's fiduciary duty requires it to act in your best interest.

Firethorn Wealth Partners provides its clients with investment management services, along with financial planning and general consulting. The latter can touch on whatever areas are most pertinent to the client's situation, including business planning, cash flow forecasting, estate planning, financial reporting, investment consulting, insurance planning, retirement planning, risk management, charitable giving, tax planning and distribution planning. 

For most clients, Firethorn Wealth Partners' advisors will construct a portfolio out of some combination of mutual funds, exchange-traded funds (ETFs), individual equities, debt securities and options. The firm may also utilize independent money managers. If the client’s circumstances are appropriate, the firm may also recommend structured products or private placements, such as investments in pooled investment vehicles.

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AP Wealth Management has a stated minimum account size of $1 million. Like many firms, though, it may waive this minimum under certain circumstances - which it apparently does quite often, as its client base is mostly made up of non-high-net-worth individuals. The firm also works with high-net-worth individuals, pension plans and charitable organizations.

Despite a staff of just a few advisors, the firm isn’t short on certifications. In fact, several of its advisors are Certified Financial Planner™ (CFP®) and/or certified public accountants (CPAs). AP is a fee-only firm.

The firm provides three primary services to clients. First, the firm offers financial planning to affluent individuals and families via a process it calls "Lifetime Financial Solutions." The firm also provides ongoing investment management services and develops model portfolios for retirement and profit-sharing plans.

AP Wealth Management begins each investment process by sitting down with the client and establishing key information, like their overall investing goals, risk tolerance and time until retirement. From there, the firm will work to come up with an asset allocation that best fits these needs. The firm may rebalance clients' assets periodically to keep their intended asset allocation plan intact.

When investing money for clients, AP typically uses open- and closed-end mutual funds, exchange-traded funds (ETFs), individual stocks and bonds, structured notes and non-publicly traded real estate investment trusts (REITs). In order to ensure your investments aren't too concentrated in one area of the market, the firm will diversify your assets across various market sectors and capitalizations.