Journey Financial Management is a registered investment advisor based in Bowling Green, Kentucky. Journey Financial Management offers continuous portfolio management and comprehensive financial planning services designed to help clients navigate retirement, tax planning, cash flow management, and estate planning. The firm also provides standalone investment management, retirement plan consulting for small businesses, and guidance on alternative accounts like donor-advised funds and self-directed individual retirement accounts. Journey Financial Management primarily builds diversified portfolios using passive index funds and exchange-traded funds to minimize costs and taxes. The firm is owned by Andrew James Allen Head and Richard Jay Fontenot, and serves individuals, high-net-worth clients, and business entities.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.75% |
| $1.0M - $3.0M | 0.65% |
| $3M+ | 0.45% |
Fees are negotiable. Schedule applies to standalone investment supervisory services. Comprehensive financial planning includes investment management with a separate tiered schedule starting at 1.00% and a $3,000 minimum annual retainer.