Garner Financial Management provides financial planning, portfolio management for individuals and small businesses, and selecting other managers. Financial planning was provided to 26–50 clients last fiscal year.
Garner Financial Management reports 117 clients. They include 67 individual clients, 44 high-net-worth individuals, and 4 pension and profit-sharing plans. Of its assets, 97.1% ($148M across 281 accounts) are managed with discretion; $4.43M across 18 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 57% | 17% |
| High-net-worth individuals | 38% | 70% |
| Pension and profit-sharing plans | 3% | 9% |
| Corporations and other businesses | 2% | 4% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 67 | $26.2M | 17.2% | $391K |
| High-net-worth individuals | 44 | $107M | 70.2% | $2.44M |
| Pension and profit-sharing plans | 4 | $13.4M | 8.8% | $3.35M |
| Corporations and other businesses | 2 | $5.84M | 3.8% | $2.92M |
| Total | 117 | $153M | 100% | $1.3M |
- Clients
- 67
- Regulatory AUM
- $26.2M
- AUM share
- 17.2%
- Avg. per client
- $391K
- Clients
- 44
- Regulatory AUM
- $107M
- AUM share
- 70.2%
- Avg. per client
- $2.44M
- Clients
- 4
- Regulatory AUM
- $13.4M
- AUM share
- 8.8%
- Avg. per client
- $3.35M
- Clients
- 2
- Regulatory AUM
- $5.84M
- AUM share
- 3.8%
- Avg. per client
- $2.92M
Total
- Clients
- 117
- Regulatory AUM
- $153M
- AUM share
- 100%
- Avg. per client
- $1.3M
- 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
- 26–50
Garner Financial Management charges 0.60%–1.00% a year for its Percentage of Assets Under Management. The fee is billed in advance, is negotiable and requires an account of at least $500,000. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Flat Fee Consulting
- Project consulting is billed a flat fee determined by project, negotiated and agreed in advance and charged quarterly in advance.
- Hourly Consulting
- Hourly consulting is billed at a fee that will not exceed $300 per hour, discussed and agreed in advance.
Blair Garner owns 75% or more of Garner Financial Management. The leadership team of Garner Financial Management includes President Blair Garner. It has 2 employees, 1 of them in advisory roles.
Staff
- 2 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Garner Financial Management, Inc.
Blair Garner
Control person · since January 2019
Garner Financial Management’s regulatory assets grew from $135M (March 2021) to $153M (February 2026); clients fell from 136 to 117 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $153M | 117 | 2 | 2 |
| Jun 2025June 2025 | $148M | 118 | 2 | 2 |
| Jan 2024January 2024 | $136M | 124 | 2 | 2 |
| Feb 2023February 2023 | $118M | 128 | 2 | 2 |
| Mar 2022March 2022 | $125M | 132 | 2 | 1 |
| Mar 2021March 2021 | $135M | 136 | 2 | 1 |
Besides its headquarters, Garner Financial Management has 1 office, with 2 listed addresses across 2 states.
California · 1 listed address
- 3620 Happy Valley Road, Suite 203, LafayetteHQ
Tennessee · 1 listed address
- 1159 Hillview Lane, Franklin
Contact and registration details
- Legal name
- Garner Financial Management, Inc.
- Headquarters
- 3620 Happy Valley Road, Suite 203, Lafayette, CA 94549
- Phone
- 925-282-5500
- SEC file
- 801-79008
- Structure
- California corporation
- Fiscal year end
- December
Garner Financial Management’s named custodians for separately managed accounts are Fidelity ($78.7M, 57%) and Charles Schwab ($60.4M, 43%). Garner Financial Management does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $60.4M43%
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $78.7M57%
At year end, Garner Financial Management’s separately managed accounts were mostly in funds (63%) and stocks (23%).
What the accounts hold
- Stocks23%
- Funds63%
- Bonds4%
- Cash8%
Filed values cover 98%. The neutral 2% gap has no reported category.
How many clients does Garner Financial Management have?
Garner Financial Management has 117 clients and manages $153 million for them, as of February 2026. They include 67 individual clients, 44 high-net-worth individuals, and 4 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 11 February 2026
What services does Garner Financial Management offer?
Garner Financial Management provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Garner Financial Management charge?
Garner Financial Management charges 0.60%–1.00% a year for its Percentage of Assets Under Management. The fee is billed in advance, is negotiable and requires an account of at least $500,000.
Which custodians does Garner Financial Management use?
Garner Financial Management’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $78.7M and Charles Schwab & Co., Inc. (San Francisco, CA), with $60.4M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 February 2026
How many financial advisors does Garner Financial Management have?
Garner Financial Management has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 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 Garner Financial Management invest in?
At the end of its last fiscal year, Garner Financial Management’s separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 23% exchange-traded equities, 8% cash and equivalents and 4% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Garner Financial Management have a minimum investment?
Yes, Garner Financial Management’s minimum account size for its Percentage of Assets Under Management is $500K.
Who owns Garner Financial Management?
Garner Financial Management’s direct owner is Blair Garner (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 11 February 2026
How does Garner Financial Management get paid?
Garner Financial Management 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 Garner Financial Management?
Garner Financial Management’s main office is at 3620 Happy Valley Road, Suite 203, Lafayette, CA 94549. Its phone number is 925-282-5500. Its website is garnerfinancialmanagement.com.