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Fully Financial

Updated today

Client assets under management

$108,249,153

Clients

119

29% high-net worth

Advisors

2

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

60

Typical

Average account size

$909,657

About

Fully Financial is a fee-only registered investment adviser serving primarily affluent and emerging-affluent households, their related entities, trusts, estates, and family businesses, and it also manages endowments and company retirement plans. The firm provides comprehensive wealth management—investment management and financial planning—and serves as a 3(38) investment fiduciary for employer retirement plans.

The firm’s investment approach is grounded in Modern Portfolio Theory, emphasizing broad diversification implemented predominantly with passive ETFs while using active manager selection and tactical adjustments when appropriate. Fully Financial manages client accounts on a discretionary basis, integrates tax-aware practices such as asset location across held-away retirement accounts and tax-loss/gain harvesting, and provides ongoing financial planning and portfolio monitoring.

Founded in May 2023, the two-advisor firm manages approximately $111,147,400 in discretionary assets and is registered as a fee-only adviser with NAPFA, disclosing that it accepts no commissions or soft-dollar benefits. Distinctive features relative to many peers include integrating held-away retirement accounts into each client’s overall portfolio for tax efficiency and offering formal 3(38) fiduciary retirement-plan services in addition to individual wealth management.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning Retirement income strategy Tax-loss harvesting Business succession planning Cash flow / budgeting

Occupation focus

Founder/Business Owner Executive

Demographic focus

Mid-Career Professionals HENRY (High Earners, Not Rich Yet)

Fee options

Fixed

Fixed fees may be charged for project-based financial planning; specific amounts negotiated per engagement

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.85% $2,000,001 - $3,000,000: 0.70% $3,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%

Project-based

$200 to $400 per hour for project-based financial planning, fees negotiable

Other

Account minimum: $450,000 Minimum fee: $4,500 annually for investment management and financial planning services; $5,000 annually for corporate retirement plan management and pension consulting services Fee-only: Fee-only advisory firm, no commissions or other sales-related compensation accepted

Main office location

Fully Financial

295 W Clayton St, Suite 100 B

Athens GA 30601, United States

Number of offices

1

Most active in

Georgia · Louisiana

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Ben J

CFP®, EA

Athens, GA

Fully Financial

Ben has been a practicing fee-only financial planner for nearly 10 years. He co-founded Fully Financial to pursue his dream of opening his own financial planning firm and offering an even greater level of personal financial planning services to more people and families. Fully Financial is a premier boutique firm by design — intentionally and carefully built to prioritize high-touch, responsive, and full-service financial planning and investment management to individuals and families. At Fully, our purpose is to provide real financial advice that helps more people live their lives to the fullest. That's why we treat every single one of our clients as if they are family — and as a legal fiduciary, we always put their best interests first. Prior to opening Fully, Ben worked at a midsize fee-only firm where he served as partner and chief financial officer in addition to leading a financial planning team responsible for 200+ client households, managing $200M+ in assets, and overseeing the firm's HQ in Athens, Georgia. Ben holds his CFP® and AIF® designations and is an Enrolled Agent licensed to practice before the IRS. Committed to both his profession and his community, Ben currently serves on the board of directors for the National Association of Personal Financial Advisors (NAPFA) and as treasurer of Athens-based nonprofits Books for Keeps and Athens Pride. He also teaches part-time in UGA's financial planning program and previously served as chair of the UGA College of Family and Consumer Sciences Alumni Association. Ben is a "Double Dawg," having received both his master's degree in Financial Planning and bachelor's degree in Consumer Economics (summa cum laude with highest honors) from the University of Georgia.

Wealth management Founder/Business Owner Executive LGBTQIA
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Ryan R

CFP®

Athens, GA

Fully Financial

Ryan Rasmussen is a CFP® professional at Fully Financial with one year of industry experience. He has previously worked at Elwood & Goetz Wealth Advisory Group, Abacus Wealth Partners, Yeske Buie, and held multiple roles at the University of Georgia. Rasmussen also serves as a Personal Finance Educator for the Teachers Retirement System of Georgia, delivering educational presentations to retirement system participants. Fully Financial is a fee-only registered investment adviser serving affluent and emerging-affluent households, related entities, endowments, and employer-sponsored retirement plans. The firm follows a Modern Portfolio Theory-based investment approach, primarily using passive ETFs alongside selective active management, and provides discretionary portfolio management with tax-aware strategies and fiduciary oversight.

General retirement planning Retirement income strategy Tax-loss harvesting Business succession planning Cash flow / budgeting Founder/Business Owner Executive Mid-Career Professionals HENRY (High Earners, Not Rich Yet)
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