Financial Lab
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,397,475
Clients
20
80% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
20
LowAverage account size
$69,874
About
Financial Lab Inc. is a fee‑only registered adviser that provides financial planning and investment management to individuals, high‑net‑worth individuals, and corporations. Its services include comprehensive, project‑based, and ongoing financial planning, discretionary investment management, and educational offerings such as seminars, group and individual coaching, and subject‑matter expert engagements.
The firm follows asset‑allocation and Modern Portfolio Theory principles and typically implements passive investment strategies using index mutual funds and ETFs, constructing portfolios to match clients’ risk tolerance and long‑term goals. It offers discretionary portfolio management, may incorporate socially responsible/ESG options on request, and emphasizes long‑term holdings with periodic monitoring and rebalancing.
Distinctive features include the firm’s regular delivery of paid seminars, coaching, and SME consulting — activities the brochure indicates the principal allocates roughly half of trading‑hour time to — a service mix that is uncommon among peers. The firm also reports a relatively high account minimum ($500,000) while managing modest assets (about $1.4 million as of December 31, 2025), producing a small, tightly managed client roster and a practice that combines planning, education, and professional consulting.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Expertise
Business ownership considerations
Tax strategies for small businesses
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Executive
Fee options
Comprehensive Financial Plan initial fee up to $10,000; Project-Based Financial Planning fixed fees $1,000 to $10,000; Educational Seminars $3,000 to $25,000; Coaching Sessions $5,000 to $20,000
$0 - $1,000,000: 1.25% $1,000,001 - $4,000,000: 1.00% $4,000,001 - $10,000,000: 0.75% $10,000,001+: 0.50%
$150-$300 per hour depending on team member and service
Ongoing Comprehensive Financial Planning fees $900 - $5,000 per quarter; Limited Ongoing Planning & Online Planning Software Access $100 - $200 per month
Account minimum: $500,000 Fee-only: Fixed fees for financial planning services, ranging from $100/month to $5,000 per quarter depending on service type; fixed fees for project-based planning range from $1,000 to $10,000; educational seminars fees range from $3,000 to $25,000; coaching sessions fees range from $5,000 to $20,000; Subject Matter Expert fees range from $150 to $300 per hour
Main office location
Financial Lab
215 Church Street, #205
Decatur GA 30030, United States
Number of offices
1
Most active in
Financial Lab has reported serving >5 clients in these states in the last 12 months.
Georgia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
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")