Fully Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 101–250 clients last fiscal year.
Fully Financial reports 127 clients. They include 85 individual clients, 34 high-net-worth individuals, and 8 pension and profit-sharing plans. Of its assets, 100.0% ($111M across 561 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 67% | 26% |
| High-net-worth individuals | 27% | 71% |
| Pension and profit-sharing plans | 6% | 3% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 85 | $28.9M | 26.0% | $340K |
| High-net-worth individuals | 34 | $79.3M | 71.4% | $2.33M |
| Pension and profit-sharing plans | 8 | $2.9M | 2.6% | $362K |
| Total | 127 | $111M | 100% | $875K |
- Clients
- 85
- Regulatory AUM
- $28.9M
- AUM share
- 26.0%
- Avg. per client
- $340K
- Clients
- 34
- Regulatory AUM
- $79.3M
- AUM share
- 71.4%
- Avg. per client
- $2.33M
- Clients
- 8
- Regulatory AUM
- $2.9M
- AUM share
- 2.6%
- Avg. per client
- $362K
Total
- Clients
- 127
- Regulatory AUM
- $111M
- AUM share
- 100%
- Avg. per client
- $875K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Fully Financial charges 0.25%–1.00% a year for its Investment Management and Financial Planning Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $4,500 annual minimum. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M–$2M | 0.85% |
| $2M–$3M | 0.70% |
| $3M–$5M | 0.50% |
| $5M and above | 0.25% |
Fee details and sources
Other fees
- Project-Based Financial Planning
- Project-based financial planning is billed at a fixed fee or at hourly rates of $200 to $400 per hour, which are negotiable.
- Retirement Plan Management and Pension Consulting Services
- Retirement plan services are charged a negotiable annual fee on assets: 0.50% on the first $5 million, 0.40% on the next $5 million, 0.30% on the next $15 million and 0.20% above $25 million; corporate plans pay a $5,000 minimum per year.
Benjamin Jacobs-Nichelson owns 50% to 75% of Fully Financial. The leadership team of Fully Financial includes Chief Operating Officer Cody Jacobs-Nichelson and Chief Compliance Officer Benjamin Jacobs-Nichelson. It has 3 employees, 2 of them in advisory roles.
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 50% to 75% of Fully Financial, LLC
Benjamin Jacobs-Nichelson
Control person · since May 2023
- Owns 50% to 75% of Fully Financial, LLC
Cody Jacobs-Nichelson
Control person · since May 2023
Besides its headquarters, Fully Financial has 0 offices, with 1 listed address in 1 state.
Georgia · 1 listed address
- 295 W Clayton St, Suite 100-B, AthensHQ
Contact and registration details
- Legal name
- Fully Financial, LLC
- Headquarters
- 295 W Clayton St, Suite 100-B, Athens, GA 30601
- Website
- fullyfin.com
- Phone
- 706-389-8426
- @fullyfinancial
- SEC file
- 801-136738
- Structure
- Georgia LLC
- Fiscal year end
- December
Fully Financial’s named custodian for separately managed accounts is Charles Schwab ($89.8M). Fully Financial has custody of $61.1M for 83 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $89.8M100%
At year end, Fully Financial’s separately managed accounts were mostly in funds (89%).
What the accounts hold
- Stocks2%
- Funds89%
- Bonds4%
- Cash5%
How many clients does Fully Financial have?
Fully Financial has 127 clients and manages $111 million for them, as of July 2026. They include 85 individual clients, 34 high-net-worth individuals, and 8 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 July 2026
What services does Fully Financial offer?
Fully Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Fully Financial charge?
Fully Financial charges 0.25%–1.00% a year for its Investment Management and Financial Planning Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $4,500 annual minimum.
Source: ADV PART 2A, filed 25 June 2026
Which custodians does Fully Financial use?
Fully Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $89.8M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 July 2026
How many financial advisors does Fully Financial have?
Fully Financial has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Fully Financial invest in?
At the end of its last fiscal year, Fully Financial’s separately managed accounts held 89% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 4% U.S. government and agency bonds and 2% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Fully Financial?
Fully Financial’s direct owners are Benjamin Jacobs-Nichelson (50% to 75%) and Cody Jacobs-Nichelson (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 2 July 2026
How does Fully Financial get paid?
Fully Financial is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Fully Financial?
Fully Financial’s main office is at 295 W Clayton St, Suite 100-B, Athens, GA 30601. Its phone number is 706-389-8426. Its website is fullyfin.com.
