A to Z Asset Advisors, LLC is an independent registered investment advisor founded in 2008 and based in Aiken, South Carolina, with sole ownership by Carolyn Lumley. A to Z Asset Advisors offers personalized investment management and financial planning services to individuals, families, small businesses, trusts, and estates. The firm builds customized portfolios primarily using cash, individual equities, exchange-traded funds, and mutual funds, with a focus on maximizing income through preferred stocks and funds. In addition to managing investments, A to Z Asset Advisors provides comprehensive financial consulting covering retirement, cash flow, tax strategies, insurance reviews, education funding, and estate planning. Financial planning consultation is included at no extra cost for clients who sign up for investment management services. Standalone financial planning and consulting are also available on an hourly or flat-fee basis for clients who do not want investment management. The firm operates on a fee-only basis, meaning it does not sell financial products or receive commissions from product sales, and utilizes Charles Schwab and American Funds as custodians for client accounts.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $50K | 2.00% |
| $50K - $100K | 1.50% |
| $100K - $500K | 1.25% |
| $500K - $1.0M | 1.00% |
| $1M+ | 1.00% |
Fees are negotiable for accounts over $1,000,000. A minimum household fee of $250 applies if client assets fall below $12,500. There is also a one-time opening charge of $250 and a one-time closing charge of $250 per client household.