Fee-ONLY FINANCIAL ADVISORS

Build the future that matters most to you.

Maximize your financial well-being while spending less time thinking about money. With personalized service and unbiased advice, we'll help you grow, protect, and enjoy your wealth.

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

Independent & Fee-Only Wealth Management

When it comes to financial planning, you deserve a trusted team that is honest, objective, and always willing to put your interests ahead of their own.

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

Helping you navigate your financial future is a responsibility we take seriously. And it’s an opportunity we cherish deeply.  

Our 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, and we’ll never accept commissions, kickbacks, or third-party fees for recommending or selling investment and insurance products.  

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 one investment company. We invest our clients' financial assets in the best mutual funds and exchange traded funds in the world.  

Our strategies are research- and evidence-based, and we strive for long-term rates of return that will help you meet your goals while minimizing risk. In addition, our boutique structure allows us to react quickly and tailor our recommendations for each client.

Our financial advisors hold degrees specifically in financial planning, and several of them 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 retirement to tax 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.

It’s a comprehensive approach to wealth management, and as a fee-only firm, we measure our success by your success.

Financial planning isn’t a short-term process. 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 mission is to provide 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.

A photo of Ben Jacobs, CFP, EA, partner and financial advisor at Elwood & Goetz in Athens GA
  • THERE AT EVERY TURN

Who We Serve

To maximize the value of our comprehensive process, we are best suited to serve individuals and families with at least $1,000,000 in investable assets.

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

500+

FAMILIES AND 
HOUSEHOLDS

99%

Client Retention Rate*

35

States and abroad
*Updated annually for year 2022
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Professors & Professionals

We’ll help you build a strong financial foundation. When it comes to managing your finances, we do the heavy lifting, so you can focus on your career and the people who matter most to you.

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Entrepreneurs & Business Owners

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

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Financially Independent and Retirees

You’ve worked hard to get where you are. Now is the time to focus on what’s most important to you. We’ll help optimize your tax strategies, investment portfolio, and income distribution plan while you pursue your grandest dreams.

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Social Impact Investors

We have access to a variety of tools and options that will help align your investments with your values, considering both your financial returns and the greater social good.

Michelle Kruger_CFP_Senior Financial Planner_Elwood Goetz
  • Our Team

Your Trusted Financial Advisors

Our financial planners and investment managers are among the most experienced, educated, and credentialed in the country. That means you’re in good hands for the long-haul.

Meet Our Advisors