Bales Financial Advisors is a registered investment advisor founded in 2020 and based in Cumming, Georgia. The firm offers discretionary portfolio management and financial planning to individuals and families. Investment strategies are customized based on each client's goals, time horizon, and risk tolerance. When appropriate, Bales Financial Advisors may hire third-party sub-advisors or recommend third-party money managers to handle portions of a client's portfolio. Financial planning services—covering topics like cash flow analysis, retirement strategies, tax reduction, and estate preservation—are provided at no additional cost as part of the asset management relationship. The firm's professionals also operate separately as licensed insurance agents, creating a potential conflict of interest regarding commission-based product sales, though they are legally required to act in your best interest.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.75% |
| $1.0M - $2.0M | 1.25% |
| $2M+ | 1.25% |
Fees are negotiable for amounts over $2,000,000 based on criteria such as historical relationships and account composition.