Fee-Only Financial PLANNERS

Build the future that matters most to you.

Get comprehensive financial advice and personalized service to help you protect, grow, and enjoy your wealth while spending less time thinking about money.

Lindsay Elwood and Dr. Joe Goetz, founding partners of Elwood & Goetz, image

Wealth Management Focused on You

As independent and fee-only financial advisors, we are solely devoted to, and driven by, your success. And our fiduciary oath ensures we'll act in your best interest 100% of the time.

Helping you navigate your financial future is a responsibility we take seriously. And it’s an opportunity we cherish deeply.  
With offices in Atlanta, Athens, Charleston, and Naples, Elwood & Goetz is one of the most highly educated, experienced, and trusted wealth management firms in the country.

Our Client-First Approach

According to the Wall Street Journal, only 2% of financial planning firms are legally required to always make optimal recommendations for their clients. We are among those 2%—by our choice and by our values.  

We believe in the importance of our fiduciary duty. We don't sell products, and we’ll never accept commissions or kickbacks.  

That means you'll get objective advice every time. Plus, our fee-only structure helps ensure that our success is measured only by yours.

We’re a 100% independent and employee-owned financial planning firm. That means we are not beholden to any outside broker-dealers or wholesalers. We don't have shareholders — we have stakeholders: our clients and our team.

We aren't restricted to any specific products or funds. We invest our clients' financial assets in the best mutual funds and exchange traded funds in the world, tailored to their specific goals, needs, and situation.

Our financial advisors earned degrees specifically in financial planning, and several hold the most prestigious credentials in the profession, including Ph.D., CFP® and CDFA®. Our team also includes distinguished university professors who have published more than 200 articles and authored multiple books on financial planning.

‍And we never stop striving to learn for the benefit of our clients. We actively conduct research, dive deeply into the latest academic journals, and attend leading continuing education conferences around the country.  

All components of your life are connected to your financial well-being, so we address them all—from spendings and savings to retirement planning and everything in between.

We don't believe in cookie-cutter approaches to wealth management. We focus on the details that are important to you and build financial plans personalized for your needs and situation.

Financial planning isn’t a short-term process or one-time event. That's why we foster honest, life-long relationships with our clients. You should always be able to count on your financial advisors, both today and decades from now.

Our clients receive personalized, responsive service. It’s a large part of how we’ve maintained our reputation as one of the country's top wealth management firms — and a 99% client retention rate.


Who We Serve

While always putting your best interests first, we do all the heavy lifting to manage your financial life — so you don’t have to.

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Professors & Professionals

We’ll help you build a strong financial plan that considers all areas of your financial well-being — so you can focus on your career and the people who matter most to you.

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Founders & Business Executives

Our team’s unique experience positions us to create financial plans that show the whole picture. From establishing 401(k) plans and developing succession strategies to building personal retirement and tax plans, we have you covered.

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Financially Independent & Retirees

You’ve worked hard to build your future. Now, it's time to protect and enjoy it. We’ll help optimize your tax strategies, investment portfolio, and income distribution plan while you pursue your next adventure.

Client Retention Rate*
States and abroad
*Updated annually for year 2023
Michelle Kruger_CFP_Senior Financial Planner_Elwood Goetz
  • Our Team

Your Trusted Financial Partners

Our financial planners are among the most educated and credentialed in the country. When you work with us, you aren't assigned a single advisor. You're connected with a dedicated team of planners familiar with your financial situation and committed to your success.

Meet Our Advisors