{
  "crd_number": 109270,
  "slug": "gutt-financial-management-llc-atlanta-ga-109270",
  "primary_business_name": "GUTT FINANCIAL MANAGEMENT, LLC",
  "legal_name": "GUTT FINANCIAL MANAGEMENT, LLC",
  "dbas": [],
  "city": "Atlanta",
  "state": "GA",
  "country": "United States",
  "cbsa_code": "12060",
  "metro": {
    "cbsa_code": "12060",
    "common_name": "Atlanta",
    "msa_name": "Atlanta-Sandy Springs-Roswell, GA",
    "path": "/advisors/ga/atlanta"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "1995-01-18",
  "years_registered": 31,
  "period": "2026-10-01",
  "filing_date": "2026-01-22",
  "carried_forward": false,
  "raum_total": 162070014.0,
  "raum_discretionary": 123503804.0,
  "raum_non_discretionary": 38566210.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 2,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "high_net_worth_individuals": {
      "raum": 162070014.0,
      "count": 49
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 4,
  "states_registered": [
    "FL",
    "GA"
  ],
  "websites": [
    "https://guttfm.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/109270",
  "disclosure_items": [
    {
      "item": "11.C(2)",
      "question": "Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?"
    },
    {
      "item": "11.C(5)",
      "question": "Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?"
    },
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    },
    {
      "item": "11.D(5)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?"
    }
  ],
  "city_as_filed": "ATLANTA",
  "url": "https://advisorcensus.com/firm/gutt-financial-management-llc-atlanta-ga-109270",
  "display_name": "Gutt Financial Management, LLC",
  "summary": "Gutt Financial Management, LLC is an SEC-registered investment advisory firm in Atlanta, GA, registered since 1995, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 22, 2026.",
  "citation": "AdvisorCensus. Gutt Financial Management, LLC (CRD 109270): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Gutt Financial Management, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Gutt Financial Management, LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Gutt Financial Management, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated January 22, 2026 states: Up to $2,000,000: 0.25% a year; $2,000,001 to $3,999,999: 0.225% a year; $4,000,000 to $4,999,999: 0.1875% a year; Above $5,000,000: 0.15% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Gutt Financial Management, LLC located?",
      "a": "Gutt Financial Management, LLC's principal office is in Atlanta, GA, according to its Form ADV."
    },
    {
      "q": "Is Gutt Financial Management, LLC registered with the SEC or a state?",
      "a": "Gutt Financial Management, LLC is an SEC-registered investment advisory firm, registered since 1995. Status as filed: Approved. CRD 109270."
    },
    {
      "q": "How much does Gutt Financial Management, LLC manage?",
      "a": "Gutt Financial Management, LLC reports $162,070,014 in regulatory assets under management in its Form ADV filing dated January 22, 2026 (76% discretionary)."
    },
    {
      "q": "How have Gutt Financial Management, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Gutt Financial Management, LLC: Regulatory assets under management: $158,626,448 in the October 2021 data and $162,070,014 in the October 2026 data, up 2%. Total employees: 3 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Gutt Financial Management, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (49)."
    },
    {
      "q": "Does Gutt Financial Management, LLC report any disciplinary disclosures?",
      "a": "Reports 4 disclosure items on Form ADV Item 11: yes answers to 11.C(2) (SEC or CFTC finding of a violation), 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order), 11.D(4) (another regulator's order in the past ten years), and 11.D(5) (another regulator's denial, suspension, or revocation of a registration or license, bar, or restriction). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/109270"
    },
    {
      "q": "What changed in Gutt Financial Management, LLC's recent Form ADV filings?",
      "a": "In the February 2026 filing data: Regulatory assets under management went from $142,466,212 to $162,070,014 (+14%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 158626448.0,
      "total_employees": 3,
      "filing_date": "2021-03-19"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 156773210.0,
      "total_employees": 2,
      "filing_date": "2022-03-17"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 135748745.0,
      "total_employees": 2,
      "filing_date": "2023-02-07"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 134188936.0,
      "total_employees": 2,
      "filing_date": "2024-03-04"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 142466212.0,
      "total_employees": 2,
      "filing_date": "2025-02-10"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 162070014.0,
      "total_employees": 2,
      "filing_date": "2026-01-22"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Regulatory assets under management went from $142,466,212 to $162,070,014 (+14%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated January 22, 2026",
    "provided_by_the_firm": false,
    "tiers": [
      {
        "band": "Up to $2,000,000",
        "rate": "0.25%"
      },
      {
        "band": "$2,000,001 to $3,999,999",
        "rate": "0.225%"
      },
      {
        "band": "$4,000,000 to $4,999,999",
        "rate": "0.1875%"
      },
      {
        "band": "Above $5,000,000",
        "rate": "0.15%"
      }
    ],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [],
    "figures": [
      {
        "label": "Fee schedule",
        "statements": [
          "Up to $2,000,000: 0.25% a year",
          "$2,000,001 to $3,999,999: 0.225% a year",
          "$4,000,000 to $4,999,999: 0.1875% a year",
          "Above $5,000,000: 0.15% a year"
        ],
        "quotes": [
          "The annual Advisory Service Agreement fee is based on a percentage of the investable assets according to the following schedule:   0.2500% on the first $2,000,000;  0.2250% on the next 2,000,001 to 3,999,999;",
          "0.1875% on the next 4,000,000 to 4,999,999;  0.1500% on 5,000,000 and greater"
        ]
      }
    ],
    "values": {
      "tiers": [
        {
          "min": 0.0,
          "max": 2000000.0,
          "rate_pct": 0.25
        },
        {
          "min": 2000001.0,
          "max": 3999999.0,
          "rate_pct": 0.225
        },
        {
          "min": 4000000.0,
          "max": 4999999.0,
          "rate_pct": 0.1875
        },
        {
          "min": 5000000.0,
          "max": null,
          "rate_pct": 0.15
        }
      ],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": []
    },
    "quotes": [
      "The annual Advisory Service Agreement fee is based on a percentage of the investable assets according to the following schedule:   0.2500% on the first $2,000,000;  0.2250% on the next 2,000,001 to 3,999,999;",
      "0.1875% on the next 4,000,000 to 4,999,999;  0.1500% on 5,000,000 and greater"
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/gutt-financial-management-llc-atlanta-ga-109270.md",
  "clients": [
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 49,
      "fewer_than_5": false,
      "raum": 162070014.0
    }
  ],
  "disclosure_line": "Reports 4 disclosure items on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/109270",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}