Garner Financial Management
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$133,389,600
This total excludes 6 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
111
40% high-net worth
Advisors
1
of 2 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
111
Very HighAverage account size
$1,201,708
About
Garner Financial Management is a small, fee-only registered investment adviser that provides personalized portfolio management, retirement rollover guidance, and both project-based (flat-fee) and hourly consulting to individuals and business entities, including high‑net‑worth clients. The firm manages accounts on both a discretionary and non‑discretionary basis and delivers quarterly performance reports alongside custodial account statements.
The firm blends fundamental and technical analysis when selecting mutual funds and individual securities and employs both long‑term and short‑term trading strategies tailored to client objectives. It typically documents objectives in an investment policy statement, conducts periodic account reviews, and may operate under a limited power of attorney to execute agreed‑upon trades.
Distinctive features include single‑advisor ownership and a stated new‑account minimum of $500,000, while maintaining a relatively small client roster and offering flat‑fee and hourly alternatives in addition to asset‑based management. Garner discloses an economic incentive when recommending rollovers to IRAs, operates as fee‑only without third‑party compensation, and does not accept authority to vote client securities — clients retain proxy‑voting responsibility.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Wealth management
Fee options
Flat fees for project consulting, negotiated and agreed upon in advance.
$0 - $250,000: 0.95% $250,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.875% $1,000,001 - $2,500,000: 0.80% $2,500,001 - $4,000,000: 0.70% $4,000,001 - $6,000,000: 0.60% $6,000,001+: Negotiable
Up to $300 per hour, negotiated in advance.
Account minimum: $500,000 Fee-only: Fee-only investment advisor; no commissions received.
Main office location
Garner Financial Management
3620 Happy Valley Road, Suite 203
Lafayette CA 94549, United States
Number of offices
2
Most active in
Garner Financial Management has reported serving >5 clients in these states in the last 12 months.
California · Tennessee
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.
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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.
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