Advisor at Financial Management Advisors, Inc.
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Location
Tullahoma, TN 37388
Credentials
Series 63
Industry experience
43 years
James Bratcher is a financial advisor with Financial Management Advisors, Inc. in Tullahoma, TN, holding a Series 63 designation and over 43 years of industry experience. He has worked at Financial Management Advisors since 2004 and previously at Securities Service Network, Inc. Outside of his advisory role, Mr. Bratcher is the managing member of TN Cannabis Company, LLC, which cultivates and processes cannabis products within Tennessee legal limits, and serves as president of the Tullahoma Sports Council, a nonprofit focused on promoting sports and recreation in the local area. Financial Management Advisors, Inc. provides fee-for-service financial planning and investment management to individuals, businesses, estates, trusts, and qualified plans. The firm manages approximately $132.7 million for around 581 clients, offering both active and dynamic investment strategies that include mutual funds, ETFs, and tactical reallocation based on technical analysis.
Based on Financial Management Advisors, Inc.
Based on Financial Management Advisors, Inc.
Fixed fees negotiated per project; example given $10,000 for a complex review
0.15% to 2.0% annually, negotiable and varying by client circumstances
Commissions from sale of securities and insurance products by registered representatives; commissions typically 1%-5.75% initially and .25%-1.25% annually for variable annuities; 1%-4% initially and .25%-1% annually for mutual funds
Hourly fees range from $150 to $400 per hour depending on complexity
Account minimum: $15,000 (Moderate Growth and Aggressive Growth programs; other programs have different minimums as detailed) Minimum fee: Nominal fee generally $100 fixed, paid semi-annually for variable annuity accounts after first year Fee-only: Advisory fees based on percentage of assets under management, negotiated fees, hourly fees, and fixed fees; no commissions on advisory accounts held at Schwab Advisor Services
115 North Jackson Street, Suite B
Tullahoma, TN 37388
Tennessee
Silver Oak Securities, Inc.
2022 - Present (4 years)
Financial Management Advisors, Inc.
2004 - Present (22 years)
Securities Service Network, Inc.
1997 - 2020 (23 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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.
Series 65
Tullahoma, TN
Ashdon Investment Management, LLC
Jennifer English is a Series 65-licensed advisor at Ashdon Investment Management, LLC with nine years of industry experience. She has been with Ashdon since 2002, working as part of a four-advisor team. Ashdon Investment Management serves individuals, high net worth clients, trusts, estates, charitable organizations, and corporations, providing separate-account portfolio management, investment consulting, and family office services. The firm emphasizes diversified portfolios based on fundamental analysis and modern portfolio theory, with a notable focus on managing predominantly non-discretionary assets.
Series 66
Tullahoma, TN
Financial Management Advisors, Inc.
James Bratcher is a financial advisor at Financial Management Advisors, Inc. with 19 years of industry experience. He holds the Series 66 designation and has worked at Silver Oak Securities, Inc. and Securities Service Network Inc. Bratcher serves as president of the Tullahoma Cal Ripken League, a local youth baseball organization. Financial Management Advisors, Inc. provides fee-for-service financial planning and investment management to individuals, businesses, estates, trusts, and qualified plans. The firm manages approximately $132.7 million for around 581 clients and offers active and dynamic investment strategies utilizing mutual funds, ETFs, and tactical reallocation.
PFS™, Series 66
Tullahoma, TN
Beam Wealth Advisors, Inc.
Cameron Ray is a financial advisor with Beam Wealth Advisors, Inc. in Tullahoma, TN, holding a PFS™ designation and Series 66 license, with 25 years of industry experience. He has worked at Beam Wealth Advisors since 2013 and previously at Securities America Inc and Purshe Kaplan Sterling Investments. In addition to his advisory role, he is a CPA and partner at Ray & Gregory PC, a CPA firm. Beam Wealth Advisors serves individuals, pension and profit-sharing plans, trusts, estates, charities, and businesses, providing comprehensive financial planning, investment management, and retirement plan consulting. The firm employs asset allocation and diversification strategies informed by Modern/Post-Modern Portfolio Theory and integrates affiliated tax and CPA services to offer coordinated financial and tax planning.
Series 65
Manchester, TN
MCCAY WEALTH ADVISORY LLC
Genesis Botello is a financial advisor at McCay Wealth Advisory LLC in Manchester, TN, holding a Series 65 credential with two years of industry experience. Prior to joining McCay Wealth Advisory, Botello’s background includes roles in education and various positions in retail and service industries. McCay Wealth Advisory primarily serves individual clients, including high-net-worth households, providing discretionary portfolio management, investment recommendations, and financial planning. The firm customizes portfolios based on client time horizons, risk tolerance, and investment goals, and is noted for offering educational seminars and workshops in addition to its investment services.
Series 65
Manchester, TN
MCCAY WEALTH ADVISORY LLC
Hayden Proffitt is a financial advisor at McCay Wealth Advisory LLC with a Series 65 designation and two years of industry experience. Prior to joining McCay Wealth Advisory in 2023, he worked at the Hospital Corporation of America and LBMC. McCay Wealth Advisory serves primarily individual clients, including high-net-worth households, offering discretionary portfolio management, investment recommendations, and financial planning. The firm customizes portfolios based on client objectives and provides educational seminars and workshops, which is uncommon among peer firms.
CFP®, PFS™, Series 65
Tullahoma, TN
Beam Wealth Advisors, Inc.
Bryant Swann is a CFP® and PFS™ credentialed advisor with Beam Wealth Advisors, Inc., based in Tullahoma, TN, with three years of industry experience. He is also a CPA and partner at the accounting firm Ray & Gregory PC, where he performs tax preparation, tax planning, bookkeeping, and client relations. Prior to his current roles, he worked at Cracker Barrel Old Country Store and the Department of Defense. Beam Wealth Advisors serves individuals, pension and profit-sharing plans, trusts, estates, charities, and businesses by providing comprehensive financial planning, investment management, and retirement plan consulting. The firm employs asset allocation and diversification strategies guided by Modern/Post-Modern Portfolio Theory and integrates affiliated tax and CPA services for coordinated planning.
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.
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")
