Wiser Wealth Management, Inc

CRD#125282
Investment Advisor Firm

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Learn more about Wiser Wealth Management, Inc

  • Overview
  • By the Numbers
  • Products and Services
  • Fee Structure
  • Types of Clients
  • Disclosures
  • State Registrations
  • Office Locations
  • Firm Advisors

    • Overview

    Wiser Wealth Management, Inc operates as a financial advisory firm that has its headquarters in Marietta, Georgia. Wiser Wealth Management, Inc manages $233.3 million in total assets over 1,043 customer accounts, making it a mid-tier investment advisory firm in the nation by assets under management (AUM). It has a small group, including 4 financial advisors. Wiser Wealth Management, Inc is not a registered broker-dealer, meaning it cannot buy and sell securities for its customers' and own accounts and instead must go through a broker-dealer firm to do so. Securities are tradable fiscal investments such as stocks, bonds and options.

    Wiser Wealth Management, Inc manages more than half of the company's client assets in a discretionary manner. Discretionary management is a structure in which transaction decisions are made by an investment advisor without requiring client approval. It also oversees two non-discretionary accounts totaling $1.6 million in assets under management. Wiser Wealth Management, Inc administers an average of $223,701 in assets for every client account. The typical financial advisor at Wiser Wealth Management, Inc administers about 261 client accounts.

    Wiser Wealth Management, Inc's central office is at 125 Church St, Marietta, Georgia 30060. Wiser Wealth Management, Inc is registered to provide services to clients across 5 states, including Florida, Georgia, North Carolina, South Carolina and Texas.

    Assets Under Management

    $233.3 million

    Number of Advisors

    4

    Disclosures

    No

    Office Location

    125 Church St
    Marietta, GA 30060

    Wiser Wealth Management, Inc by the Numbers

    Total Assets Under Management

    $233.3 million

    National Average: $8.6 billion
    Total Number of Employees

    7

    National Average: 64
    Total Number of Accounts

    1,043

    National Average: 375,227
    Average Account Size

    $223.7 thousand

    National Average: $23.0 thousand
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    Products and Services

    Services that Wiser Wealth Management, Inc offers can include financial planning services and portfolio management for individuals and small businesses. In the past financial year, Wiser Wealth Management, Inc provided 101-250 of its customers with financial planning services. The company is not engaged in selling products or offering services other than investment advisory services to its investment advisory customers.

    Core Advisor Services

    • Offered by 31% of firms

      Financial Planning Services

      This is the process of planning for your financial future, including for events such as retirement, your child's college education or estate succession.

    • Offered by 46% of firms

      Portfolio Management

      This is the selection and management of an investment mix and portfolio strategy for individuals and small businesses.

    • Find a firm that offers this service

      Market Timing Services

      This is the practice of attempting to make short-term profits on investments by buying low and selling high.

    Other Services

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    Fee Structure

    A financial advisor's fees largely vary depending on which services the firm provides the client. However, fees billed by Wiser Wealth Management, Inc likely are comprised of the following fee structures: asset-based, hourly or fixed. The company participates in a wrap fee program, in which the firm offers a service bundle for a comprehensive fee.

    Available

    • Offered by 69% of firms

      Percentage of Assets

      Show Explanation

      This fee, which is the most common fee type charged by advisors for portfolio management, is based on the amount of assets you have under management. Also referred to as an asset-based fee, this fee typically ranges from 0.50%-2.00% of AUM annually. You'll typically pay a lower rate the more assets you have under management.

    • Offered by 21% of firms

      Hourly

      Show Explanation

      Like a lawyer, a financial advisor may charge you by the hour. This can be helpful if you are only looking for short-term or one-time advice. Rates typically range from $100-$300 per hour, depending on the complexity and level of services needed.

    • Offered by 32% of firms

      Fixed

      Show Explanation

      Fixed fees are a one-time, lump sum charged for a specific service, like the creation of a financial plan without subsequent implementation. This can be useful if you only need advice for one specific purpose, rather than a long-term advisor. Fixed fees usually range from $1,000 to $3,000.

    Unavailable

    • Find one of the 1% of firms that offer this fee type

      Commissions

      Show Explanation

      Occasionally, advisors earn commissions from selling financial products, such as securities or insurance policies, or making certain referrals or transactions. Advisors who earn commissions may be incentivized to make certain recommendations to clients in order to make a commission. Fee-only advisors do not earn commissions, while fee-based advisors may.

    • Find one of the 26% of firms that offer this fee type

      Performance-based

      Show Explanation

      Advisors only earn performance-based fees if a portfolio outperforms a defined benchmark. This fee may be calculated in a number of ways but most commonly is charged as a percentage of investment profits. Performance-based fees may incentivize advisors to make riskier decisions in order to generate higher returns.

    • Find one of the 0% of firms that offer this fee type

      Subscription

      Show Explanation

      Firms generally charge this fee for educational materials provided, such as a monthly magazine. This can be useful if you want to learn about investing or financial management on your own.

    • Find one of the 10% of firms that offer this fee type

      Other

      Show Explanation

      Firms can sometimes charge customers using non-traditional fee structures. See this firm's Form ADV for more details.

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    Types of Clients

    It works with retail investors, high net worth investors and pension plans. Out of its 1,043 accounts, Wiser Wealth Management, Inc's largest client is retail investors, but it also manages money for 87 high-net-worth individuals. A high-net-worth individual is defined by the SEC as an individual who has at least $750,000 under management or a net worth of more than $1.50 million or who is considered a "qualified purchaser" (a standard met by having at least $5 million in investments). None of the company's clients are represented by non-U.S. persons.

    • High-Net-Worth Individuals* - 21.91%
    • Other Individuals - 77.58%
    • Corporations - 0.5%
    • Charitable Organizations - 0%

    * The U.S. Securities and Exchange Commission (SEC) defines a high-net-worth individual as someone who has at least $750,000 under management.

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    Disclosures

    Wiser Wealth Management, Inc does not have any disclosures.

    Please visit its Form ADV for more details.

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    Financial Advisors at Wiser Wealth Management, Inc

    Brad Lyons
    Marietta, GA
    Melissa Beach
    Marietta, GA
    Casey Smith
    Marietta, GA

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