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Thayer Financial, L.L.C.

Updated today

Total assets under management

$106,449,059

Total clients

117

38% high-net worth

Total advisors

2

of 3 employees

Firm size

Supported

1-3 advisors or $200M+ in AUM

Average clients per advisor

59

Average account size

$909,821

About

Thayer Financial serves individuals (including high‑net‑worth clients), charitable organizations, and employer‑sponsored retirement plans, offering discretionary investment management, financial planning (both standalone and ongoing), pension consulting, and periodic educational seminars. The firm provides both ongoing wealth management and project‑based planning depending on client needs.

The firm implements advice through discretionary, goal‑aligned portfolios that are typically diversified across risk‑based allocations using no‑load mutual funds, ETFs, and selected individual securities, guided by fundamental analysis and a long‑term orientation. Accounts are monitored and reviewed on a regular basis and the firm operates as a fiduciary for retirement accounts, allowing clients to impose reasonable investment restrictions and to engage in standalone planning work.

Compared with many peers, Thayer Financial’s practice includes an explicit emphasis on educational workshops and seminars for the public and organizations—an offering that is relatively uncommon among similarly sized supported advisers. The firm also integrates ancillary client services into its wealth management offering, arranging independent tax‑preparation services and basic estate‑document preparation for qualifying clients, and provides pension consulting and participant education to plan sponsors.

Client services

Financial planning Portfolio management Pension consulting Educational seminars or workshops

Expertise

Cash flow / budgeting Charitable giving & philanthropy General estate planning guidance Retirement plans for business owners (SEP, solo 401k)

Fee options

Fixed

Project-based financial planning flat fee ranges from $400 to $30,000; one-time 90-minute focused session $600; pension consulting one-time flat fee $1,500 to $5,000

Percentage

$0 - $250,000: 1.15% $250,001 - $500,000: 1.05% $500,001 - $1,000,000: 0.95% $1,000,000 - $2,000,000: 0.85% $2,000,001 - $5,000,000: 0.50% $5,000,000+: 0.30%

Project-based

$400 per hour for project-based financial planning

Subscriptions

Ongoing financial planning fees minimum $10,000 annually, paid quarterly in arrears

Other

Minimum fee: Minimum annual fee of $10,000 for ongoing financial planning; minimum annual fee threshold for wealth management services determined on case-by-case basis Fee-only: Project-based financial planning: hourly rate $400/hr, one-time flat fee $400-$30,000, or 90-minute session $600; ongoing financial planning minimum fee $10,000 annually

Main office location

Thayer Financial, L.L.C.

439 4 Th Street Sw

Hickory NC 28602, United States

Number of offices

1

Most active in

North Carolina · Tennessee · Texas · West Virginia

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

user avatar

Brittney M

CFP®, Series 63, Series 66

Hickory, NC

Thayer Financial, L.L.C.

Cash flow / budgeting Charitable giving & philanthropy General estate planning guidance Retirement plans for business owners (SEP, solo 401k)

Deaton S

CFP®, ChFC®

Hickory, NC

Thayer Financial, L.L.C.

I’m Deaton Smith and I am the founder of Thayer Financial, a CERTIFIED FINANCIAL PLANNER™ professional, a West Point graduate and OEF Veteran. I named Thayer Financial after the founding father of West Point because I envision my company as something bigger than me. It embodies the same values and principles of my time at West Point and in the Army: Duty, Honor, Integrity, and Loyalty. These values are at the very core of everything I do and stand for. The existing business model is drowning in a sea of “trust me” salespeople all riddled with major conflicts of interest and complicated financial products that pay exorbitant commissions. This is why I created my own firm. My values and beliefs did not line up with any of these major firms and I knew that there had to be a better way to serve my clients. That’s why I launched a fee-only Registered Investment Adviser that is legally obligated to work as a fiduciary 100% of the time. I don’t accept commissions, referral fees, kickbacks, free vacations, or marketing dollars from insurance companies or investment companies. The only way I get paid is directly from my clients for the services that I provide, which allows my clients to weigh the true cost of the advice they are receiving.

Business ownership considerations Retirement income strategy General estate planning guidance Founder/Business Owner Gen X (Born 1965-1980)
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