# Garner Financial Management

> Garner Financial Management is an SEC-registered investment advisory firm in Lafayette, CA, registered since 2014, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 11, 2026.

- CRD: 131628
- Filed as: GARNER FINANCIAL MANAGEMENT
- Legal name: Garner Financial Management, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lafayette, CA
- Filing period: October 2026
- Form ADV filing dated: February 11, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/131628
- AdvisorCensus page: https://advisorcensus.com/firm/garner-financial-management-lafayette-ca-131628

## Quick answers

**How is Garner Financial Management compensated?**
On its Form ADV (Item 5.E, October 2026), Garner Financial Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**Where is Garner Financial Management located?**
Garner Financial Management's principal office is in Lafayette, CA, according to its Form ADV; the March 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Garner Financial Management registered with the SEC or a state?**
Garner Financial Management is an SEC-registered investment advisory firm, registered since 2014. Status as filed: Approved. CRD 131628.

**How much does Garner Financial Management manage?**
Garner Financial Management reports $152,638,702 in regulatory assets under management in its Form ADV filing dated February 11, 2026 (97% discretionary).

**How have Garner Financial Management's assets and staff changed since 2021?**
In the Form ADV data for Garner Financial Management: Regulatory assets under management: $135,350,167 in the October 2021 data and $152,638,702 in the October 2026 data, up 13%. Total employees: 2 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Garner Financial Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (67); high net worth individuals (44); pension and profit sharing plans (but not the plan participants or government pension plans) (4).

**Which custodians does Garner Financial Management use?**
Garner Financial Management's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Garner Financial Management report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/131628

**Does Garner Financial Management state an account minimum?**
Its Form ADV Part 2A brochure dated February 11, 2026 says: "GFM has a minimum account size for new accounts of $500,000. Accounts below the stated minimum may be accepted on an individual basis at the discretion of GFM."

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 11, 2026)

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> GFM has a minimum account size for new accounts of $500,000. Accounts below the stated minimum may be accepted on an individual basis at the discretion of GFM.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $152,638,702
- Discretionary: $148,212,287
- Non-discretionary: $4,426,415

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 67 | $26,193,365 |
| High net worth individuals | 44 | $107,196,235 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 4 | $13,407,726 |
| Corporations or other businesses not listed above | 2 | $5,841,376 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2014 (12 years)
- Employees: 2 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, TN
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- Franklin, TN

### Websites listed on Form ADV (Item 1.I)
- garnerfinancialmanagement.com
- garnerfm.com
- Facebook @GARNER-FINANCIAL-MANAGEMENT-1647384385541903
- LinkedIn @GARNER-FINANCIAL-MANAGEMENT-INC.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $135,350,167 | 2 | March 26, 2021 |
| October 2022 | $124,700,336 | 2 | March 17, 2022 |
| October 2023 | $117,751,619 | 2 | February 24, 2023 |
| October 2024 | $136,417,151 | 2 | January 25, 2024 |
| October 2025 | $148,375,516 | 2 | June 12, 2025 |
| October 2026 | $152,638,702 | 2 | February 11, 2026 |

Regulatory assets under management: $135,350,167 in the October 2021 data and $152,638,702 in the October 2026 data, up 13%.
Total employees: 2 in October 2021 and 2 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Garner Financial Management (CRD 131628): Form ADV filing data as of October 2026.