Fee-only financial advisors in Tennessee

213 fee-only investment advisers in Tennessee serve individuals, across 29 cities. 154 offer hourly or flat-fee arrangements and 122 are registered with the SEC; the rest are registered with the state securities regulator. Each listing comes from the firm’s own Form ADV filing, as of November 6, 2026.

Cities with three or more fee-only advisers

• Memphis 40
• Nashville 39
• Knoxville 28
• Chattanooga 24
• Franklin 21
• Brentwood 15
• Germantown 8
• Johnson City 7
• Kingsport 4
• Clarksville 3
• Murfreesboro 3
• Jackson 3

Fee-only advisers in Tennessee serving the most individuals

• Future Capital Chattanooga · 17,092 individual clients
• The Pacific Financial Group, Inc. Nashville · 16,818 individual clients
• Stewardwell LLC Franklin · 2,157 individual clients
• Duncan Williams Asset Management, LLC Memphis · 2,001 individual clients
• Patriot Investment Management Group Inc Knoxville · 1,518 individual clients
• Legacy Wealth Management, LLC Memphis · 1,460 individual clients
• Roi Financial Planning Clarksville · 1,383 individual clients
• HHM Wealth Advisors, LLC Chattanooga · 1,180 individual clients
• TBH Global Asset Management, LLC Brentwood · 1,002 individual clients
• Values First Advisors, Inc. Johnson City · 967 individual clients

Other Tennessee cities

How to choose between them

1. Decide how you want to pay. Hourly and flat-fee planners suit people who want a plan and will implement it themselves. A percentage-of-assets fee buys ongoing investment management; on $1 million at 1% that is $10,000 a year, every year.
2. Check the SEC record. Each listing links to the firm’s page on the SEC’s Investment Adviser Public Disclosure site, where you can read the Form ADV Part 2 brochure (fees, minimums, conflicts) and any disciplinary history.
3. Ask who you will actually work with and what credentials they hold. The advisor versus consultant guide explains which titles are regulated and which are marketing.
4. Ask about minimums. Form ADV Part 1 does not record account minimums, so they are not shown here. Many asset-based firms require $500,000 or more; hourly planners usually have none.
5. Get the fee in writing before you sign, including fund expenses and any platform or custody charges on top.