Take a Step Toward Financial Peace
of Mind

We know that choosing a financial advisor is a major decision. And we’re grateful you’re considering us to help bring you financial peace of mind.

Three financial planners working together around a desk, image

Our Financial Planning Process

We believe financial planning is a personal and lifelong process, not a one-time event. Our advisory team is here to help you plan for and reach future goals while also living more fully in the present.

Our plans are tailored to you and your unique situation. That’s why we make sure you’re actively involved in the planning process and follow a careful set of steps along the way.

Consultation Meeting

We chat over coffee (or Zoom) regarding your needs and situation, while providing an overview of our process and services. And, along the way, we want you to ask as many questions as you have so you can feel confident as we move forward together.


Step 1


Investment Strategy and Goal Development

We develop and share investment opportunities to improve your financial plan and portfolio. We’ll walk you through the recommendations, so you can envision your future as our team gets to work planning for it.

Investment Strategy and Goal Development

Step 2


Presentation of Comprehensive Financial Plan

We present you with a tax-optimized cash flow and retirement plan, often outlining multiple scenarios so you can make the best decisions for you. Other areas of focus include education planning, short-term cash needs, net worth protection, and legacy planning.

Presentation of Comprehensive Financial Plan

Step 3


Financial Planning Checklist

We sort through the noise for you and help you check the boxes on only the things you really need to do for your personal financial planning process. We provide a summary of the action items needed to implement recommendations, both previously presented and new.

Financial Planning Checklist

Step 4


Daily Monitoring and Unlimited Adjustments

Once your initial plan is complete, we’ll go to work monitoring it all. And, as life changes, we’ll be there for you to make any adjustments.

Daily Monitoring and Unlimited Adjustments

Step 5


    Who We Serve

    To maximize the value of our process, we are best suited to serve clients with at least $1,000,000 in investable assets (excluding real estate) who are ready to delegate all of their financial planning and investment management.

    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.

    A financial planner meeting with a client, image
    A photo of Aysha Ballis, Certified Financial Planner®

      Ready to Get Started?

      Whenever you’re ready, we’d love the opportunity to get to know you and share ideas that will help you live your life more fully.

      Scheduling a discovery meeting is quick and easy.

      Before selecting your appointment, we ask that you complete a short questionnaire to help our team better understand your unique situation and needs.

      Once complete, you can pick the day, time, and location (in-person or virtually) that works best for you.

      More Questions?

      During your discovery meeting, we want to get to know you while also sharing more about us.

      In case you have any additional questions before scheduling, here are a few more helpful details about our firm.

      You can also reach out to us any time.

      What are your fees?


      We are a fee-only financial planning firm. That means our success is measured exclusively by yours. We do not sell third-party products or accept referral commissions — ever.

      Our annual fee is equal to 1% of investable assets under management for the first $2,000,000 managed. The fee gradually decreases to 0.25% for assets above $10,000,000.

      The management fee includes all ongoing, comprehensive financial planning and investment management services. 

      Clients with investable assets under $500,000 will be charged a supplemental fee of $250/month.

      We do not offer an hourly fee schedule or one-time project fee options.

      What’s included with the annual fee?


      Our management fee includes all ongoing, comprehensive financial planning and investment management services.  There are no hidden or incremental fees at our firm. 

      What are the minimum assets required to be a client at Elwood & Goetz?


      We are best suited to serve clients with at least $1,000,000 in investable assets (excluding real estate) and who want to delegate all their financial planning and investment management.

      If you do not meet the $1,000,000 investment portfolio minimum, you can still work with our team by:

      • Surpassing an annual household income amount of $150,000 (single) or $250,000 (joint)
      • Receiving a referral from an existing client
      • Requesting an exception

      What is Elwood & Goetz’s client retention rate?


      We are grateful to serve more than 400 families and humbled to have an annual client retention rate above 99%.

      Where is Elwood & Goetz located?


      We have office locations in Athens, Georgia; Atlanta; and Charleston, South Carolina; but we serve clients in more than 35 states. 

      We are fully capable of developing and optimizing your financial plan wherever you are. And we often travel to visit clients across the country. 

      We offer both in-person and virtual meetings for our prospects and clients.

      What does fiduciary mean?


      As an independent firm and fiduciary agent, we willfully accept a legal and ethical obligation to put our clients first — and to always serve their best interests.

      That may seem like a no-brainer for a profession that manages clients’ finances (and for us, it always has been), but many wealth management firms aren't fiduciary agents. That means they may make decisions that in their best interest — like maximizing profits or commissions — instead of yours.

      We do not accept any commission or kickbacks of any kind — period.

      Because we’re an independent firm, we are not bound to any specific investment funds or products. That means we’re always able to offer objective, evidence-based advice and select from the entire universe of portfolio options based on your unique situation and goals.

      Deep to our core, we believe this is not only the best way — it’s the right way. And for us, it’s the only way. 

      What are your advisors' qualifications?


      Our advisory team is among the most experienced and educated in the country.

      Here are some quick stats about our team:

      • Three distinguished professors from the top financial planning program in the nation.
      • 20+ professional designations specific to financial planning and investment management.
      • 100% employee owned, majority women owned, and wholly independent.
      • Published 200+ financial planning research articles and textbook chapters.
      • Authored five books on financial planning.

      All of our financial planners hold university degrees specifically in financial planning, finance, or accounting, and most hold graduate degrees in these same areas.

      Our team members have also earned prestigious designations, including Certified Financial Planner® (CFP), CFA, CPWA®, AIF®, EA, CRC®, CHFC®, CDFA®, and AFC®.

      We actively conduct research, publish articles in academic journals, and attend leading continuing education conferences.

      How is Elwood & Goetz different than other financial planning firms?


      In addition to our exceptional advisory team, fiduciary duty, and competitive fee structure, we believe what truly sets us apart is our personalized, responsive service and attention to detail.

      We started with just one client and the promise to show up every day to deliver our very best work. And even as we’ve grown, we’ve held closely to this mission.

      Your financial plan is important. Managing your financial life is a responsibility we take seriously. And it’s an opportunity we cherish deeply. We never take it for granted.

      Our hope is that our clients see that in every engagement we have, every plan we develop, and every piece of advice we share.

      Our promise is that we’ll always make decisions centered around you, your goals, and your best interests. Our team will be here for you at every turn.