Scruggs Advisors, LLC

The firm serves retirement plan sponsors, business entities, and individual clients, providing comprehensive qualified and non‑qualified retirement plan consulting, plan‑level investment advice and plan‑level investment management under ERISA, alongside wealth management and portfolio management for individuals and trusts. Services include fiduciary due diligence, investment policy development, provider research and selection, participant education, conversion management, and 404(c) audit support.

The adviser’s investment process relies on a documented due‑diligence framework and written investment policy statements, applying quantitative and qualitative screening (style analysis, benchmark comparisons, risk/return metrics and manager evaluation) to select and monitor diversified passive and actively managed mutual funds and ETFs, with limited trading. For retirement engagements the firm commonly provides non‑discretionary plan‑level selection, mapping and ongoing monitoring with plan sponsor sign‑off, and accepts co‑fiduciary responsibilities where appropriate under ERISA.

What is distinctive is the firm’s solo structure managing a relatively large pool of plan assets while reporting the vast majority of its AUM as non‑discretionary and serving pension and profit‑sharing plans and institutional plan clients — services that are less common among peers of this size. The firm’s principal also conducts insurance and broker‑dealer registered activities, a disclosed affiliation that can result in additional compensation and potential conflicts of interest when insurance or broker‑dealer services are provided.