Garrett Financial is a Registered Investment Advisory (RIA) firm,which means it is regulated by the State of Tennessee and by Federal Securities & Exchange laws. We are held to a fiduciary standard of responsibility to the client. We must put our clients’ interests before our own. Insurance agents, stock brokers, or other non-RIA financial advisors are not held to this stricter standard. 

Investment Philosophy

Garrett Financial has a proprietary portfolio investment method that focuses on diversification of asset classes and investment styles. Our objectives are to resist down markets and recover quickly.

We believe an investment should fit the client’s tolerance of risk. We try hard to match investments with each client and to educate them generally about the market and their investments so they are comfortable and understand the process. Without this match, the client would either be unhappy with returns that are too low or volatility that is too high.

College Funding

You might wonder why we specialize in college funding. Other than a home, college is the single highest expense parents are likely to incur. We feel that simply projecting how much must be saved to pay for college or selling an investment to fund it is not enough. Paying for college is not the problem; you could borrow all you need if necessary. But why pay more than you have to?  As  college planning specialists, we have the expertise to substantially reduce college costs for families who are upper middle income and above. The savings we achieve may mean your child can attend a college that would otherwise have been too expensive – or that you will have more money for other things like retirement.

Retirement Planning

As a retirement specialist we have shown many clients who have taken retirement before age 59½ how to tap their retirement savings without tax penalties. We have also helped people who get appreciated employer stocks out of their retirement plans at capital gain rates instead of the earned income rates normally associated with IRA withdrawals.

Not surprisingly, one of the greatest concerns of retirees is outliving their savings. People are living much longer, Social Security is in trouble, there are fewer pensions, the stock markets are terribly volatile, and the risk of needing long-term care is ever-present. Based on years of study, we have developed a trademarked system to deal with these risks. We call it WealthSpring™.  We estimate that with this system, we can provide inflation adjusted income throughout retirement with a risk of less than ten percent, based on historical performance of large and small cap stocks. Our objective is for our clients to have a retirement free of the worry that they will have to reduce their standard of living because of outliving or losing their savings.

At Garrett Financial, the common theme we hear from our planning clients is that they feel more focused on their goals and on how to achieve their dreams as a result of our planning process. They are empowered and optimistic

Our Principles

• Fairness. The Golden Rule comes to mind. 
• Honesty. We have no secrets. Everything about us is an open book.
• Gratitude.  Our clients and God’s blessings provide us a living and we never take that for granted.
• Courtesy.  There are more than enough bad manners in our society without contributing more.
• Quality. We pride ourselves on an excellent support staff – second to none when it comes to efficiency and client service.  We want you to be more than satisfied. We want you to be thrilled to do business with us. For us, going the extra mile is standard operating procedure.
• Integrity. This is absolute.

 Learn about Our Services or Contact Us to schedule an appointment.