Services
Our services encompass comprehensive financial planning and investment management, including estate planning review, insurance review, and more.
All services are comprehensive, personalized, and fee-only—ensuring you get advice that is in your best interest.
Dedicated, Full-Time Fiduciaries · Personalized & Comprehensive · Always Fee-Only · Direct Line of Contact ·Dedicated, Full-Time Fiduciaries · Personalized & Comprehensive · Always Fee-Only · Direct Line of Contact ·Dedicated, Full-Time Fiduciaries · Personalized & Comprehensive · Always Fee-Only · Direct Line of Contact ·
Financial Planning
Retirement Planning
We work to make sure you’re on a path to retire comfortably and remain comfortably retired. Our proprietary cash flow based software provides results that will serve as the basis for your portfolio’s asset allocation, and will help you not outlive your money.
Household Net Worth
Do you know your net worth? Do you have it in a format that you can present to a lending institution to procure financing? At FSG Wealth Advisors LLC, we create a time-stamped Net Worth Statement for your household, and we’ll update it as circumstances change. Plus, we’ll review your older Net Worth Statements to measure growth.
Estate Plan Review
Wills, powers of attorney, account beneficiaries, executors, trusts; all of these are important to ensuring your estate passes to your heirs or favorite nonprofit in a tax-efficient and asset-optimizing way. We help you get up-to-date and organized and can refer you to attorneys and tax professionals if necessary.
Insurance Review
We’ll help you make rational life, disability, long-term care, and property & casualty insurance policy decisions. We can refer you to insurance agents and confirm your coverage makes sense.
Whole Person Financial Consulting
We take into account more than just the numbers—money is a tool for increasing your happiness and satisfaction. We promise you will feel heard, supported and coached throughout your investing journey.
Much of what we offer is the ability to be disciplined during difficult times, when emotion may take over rationality. We’ll counsel you to make better long-term decisions that lead to better investment outcomes.
Investment Management
Fiduciary Advisors
Fiduciary responsibility is the legal duty to act in your best interest. As objective, third-party professionals, we act with discretionary authority as your fiduciaries at all times. We select your investments, keep your portfolio current, and monitor your expenses for you. And you can trust it’s the advice we’d give our family members—or ourselves.
Investment Strategy
We do what the research says is best: place long-term money into globally diversified stocks and short-term money into a stabilizing cash reserve. We typically recommend a three-pronged approach: a market tracker portfolio (covering 99% of the investable market), a portfolio biased to profitability, and a portfolio biased to small cap and value stocks. The cash reserve is held in Cash or U.S. Treasuries. And, we further tailor your portfolio for taxes and specific needs.
Principal Risks
All investing has risks, which we mitigate through our strategies. However, short-term volatility may be dramatic, and annual returns may be deeply negative. The higher returns of certain market segments may only be apparent when viewing 10-year or longer periods or may not occur at all. The benefit of rebalancing may not materialize until the divergent asset classes revert to their long run average returns. And finally, the stock market may not behave in the future the way it has in the past.
Implementation
Whenever possible, we employ Exchange-Traded Funds (ETFs) for their low cost and tax-efficiency. Dimensional, Charles Schwab, iShares, Vanguard, and similar companies provide the funds from which we construct our portfolios. We select funds based on the vehicles' purpose, quality, cost, and fit within the total portfolio.
Custodian: Charles Schwab
Our services feature a separate, independent entity for custody of your assets. In addition to our reports, a custodian generates and provides its own statements directly to you ensuring that you get verifiable information about your account. At FSG Wealth Advisors LLC, Charles Schwab & Co., Inc. is our qualified custodian and safekeeping agent. They are a publicly traded financial services holding company headquartered in Westlake, Texas, among the top-tier of custody operations.
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700 Colonial Road, Ste. 130
Memphis, TN 38117
Dislosure: FSG Wealth Advisors, LLC is an investment adviser registered with the State of Tennessee. FSG Wealth Advisors, LLC may not transact business in states where it is not appropriately registered, excluded or exempt from registration. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.
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FSG Wealth Advisors, LLC
All Rights Reserved.