{"url":"https://nivawealth.com/firms/garner-financial-management-131628","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/131628","regulatoryAum":152638702,"crd":"131628","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6093058","suffix":null,"lastName":"GARNER","firstName":"BLAIR","middleName":"JASON"}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-26","regulatoryAum":135350167,"clients":136,"employees":2,"offices":1},{"filedOn":"2022-03-17","regulatoryAum":124700336,"clients":132,"employees":2,"offices":1},{"filedOn":"2023-02-24","regulatoryAum":117751619,"clients":128,"employees":2,"offices":2},{"filedOn":"2024-01-25","regulatoryAum":136417151,"clients":124,"employees":2,"offices":2},{"filedOn":"2025-06-12","regulatoryAum":148375516,"clients":118,"employees":2,"offices":2},{"filedOn":"2026-02-11","regulatoryAum":152638702,"clients":117,"employees":2,"offices":2}],"secFileNumber":"801-79008","legalName":"Garner Financial Management, Inc.","displayName":"Garner Financial Management","slug":"garner-financial-management-131628","website":"https://garnerfinancialmanagement.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/garner-financial-management-inc./","founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"3620 Happy Valley Road, Suite 203","city":"Lafayette","state":"CA","stateName":"California","country":"United States","postalCode":"94549"},"tradeNames":[],"registration":{"secApproved":"9 January 2014","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1201708.1081081082,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":152638702,"discretionary":148212287,"discretionaryAccounts":281,"nonDiscretionary":4426415,"nonDiscretionaryAccounts":18,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":67,"regulatoryAum":26193365},{"label":"High-net-worth individuals","clients":44,"regulatoryAum":107196235},{"label":"Pension and profit-sharing plans","clients":4,"regulatoryAum":13407726},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":5841376}],"feePrograms":[{"role":"main","program":"Percentage of Assets Under Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008066","versionId":1008066,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-11","documentName":"2026 ADV PART 2","fee_rate_low":0.6,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Flat Fee Consulting","summary":"Project consulting is billed a flat fee determined by project, negotiated and agreed in advance and charged quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008066","versionId":1008066,"submittedOn":"2026-02-11","documentName":"2026 ADV PART 2"},{"role":"other","program":"Hourly Consulting","summary":"Hourly consulting is billed at a fee that will not exceed $300 per hour, discussed and agreed in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008066","versionId":1008066,"submittedOn":"2026-02-11","documentName":"2026 ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:07:16.372686+00:00","documents":[{"name":"2026 ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008066","versionId":1008066,"submittedOn":"2026-02-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":60350904},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":78732172}],"custodyNote":"Garner Financial Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Blair Garner","title":"President and Chief Compliance Officer","crd":"6093058"}],"ownership":[{"label":"Blair Garner","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since January 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"3620 Happy Valley Road, Suite 203","city":"Lafayette","headquarters":true}]},{"state":"Tennessee","offices":1,"addresses":[{"street":"1159 Hillview Lane","city":"Franklin"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"925-282-5500","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":23},{"label":"U.S. state and local bonds","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":63},{"label":"Cash and cash equivalents","percent":8}],"privateFunds":0},"sources":{"adv1FilingDate":"11 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/131628/PDF/131628.pdf","brochureDate":"11 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008066","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Garner Financial Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Garner Financial Management offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Garner Financial Management charge?","answer":"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.","source":"2026 ADV PART 2, filed 11 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Garner Financial Management use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Garner Financial Management have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Garner Financial Management invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Garner Financial Management have a minimum investment?","answer":"Yes, Garner Financial Management’s minimum account size for its Percentage of Assets Under Management is $500K.","source":"2026 ADV PART 2, filed 11 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Garner Financial Management?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Garner Financial Management get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Garner Financial Management?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 11 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}