G
G&F Financial Services
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$19,051,125
Clients
45
0% 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
45
HighAverage account size
$423,358
About
G & F Financial Services advises individual clients on investment management, financial planning, and estate-planning matters, offering both ongoing portfolio management and standalone financial plans. The firm works with individuals without a stated account minimum and currently manages approximately $19 million in client assets.
The firm’s advice is grounded in a financial-planning process supported by Moneytree Software’s Total Planning Suite and may be implemented on a discretionary or non-discretionary basis. In constructing portfolios it uses a range of analysis techniques — including asset allocation, fundamental, technical, quantitative, and cyclical methods — and commonly pursues longer-term purchase strategies when appropriate.
Compared with many solo independent advisers, the firm discloses an additional business activity of selling securities products through a custodian and may receive normal sales compensation when clients purchase those products, a potential conflict the brochure highlights. It also offers multiple billing arrangements beyond a percentage of assets (including hourly and fixed fees), has over 30 years in the industry, and leaves proxy voting responsibility with clients rather than voting proxies on their behalf.
Client services
Financial planning
Portfolio management
Expertise
General estate planning guidance
Cash flow / budgeting
Fee options
Financial plan price ranges from $1,000 to $2,500
1.30% for all assets under management
$400.00 per hour for consultation
Fee-only: $400.00 hourly rate for consultation; financial plan price ranges from $1,000 to $2,500
Main office location
G&F Financial Services
Panama City Beach FL, United States
Number of offices
1
Most active in
G&F Financial Services has reported serving >5 clients in these states in the last 12 months.
California · Florida
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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