Studdard Financial, LLC

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Studdard Financial, LLC I founded Studdard Financial, LLC to offer unbiased, independent, "FEE Only" investment management and advice based on clarity and transparency.

Studdard Financial is a fee-only fiduciary financial advisory firm with offices in Sarasota, FL and Germantown, TN that provides personalized financial planning, investment management, retirement planning, wealth management, and estate planning. As a fiduciary and registered investment advisor and Certified Financial Planner (CFP), I work directly for the client, not a company. Our primary custodian is Charles Schwab, but we are not exclusive to them and can work with anyone wherever their assets are held. We offer comprehensive financial planning that is dedicated to helping you build wealth, protect it, and pass it down from one generation to the next. We have offices in Germantown, TN (Memphis) and Sarasota, FL, and serve clients from coast to coast. For a free consultation, check our website at www.studdardfinancial.com, call us at 901-355-4713, or email at [email protected].

A stock deserves more than a place in a generic buy-and-hold portfolio—it deserves careful research. In “How Fundamental...
10/17/2026

A stock deserves more than a place in a generic buy-and-hold portfolio—it deserves careful research. In “How Fundamental Analysis Selects Stocks for Portfolios,” Byron Studdard explains how earnings growth, financial strength, and business fundamentals can help identify companies with meaningful potential. Combined with technical analysis and active risk management, this disciplined approach keeps clients’ goals—not Wall Street’s standard formula—at the center.

https://studdardfinancial.com/how-fundamental-analysis-selects-stocks/

Retirement confidence starts with knowing how much you can spend without putting your long-term security at risk. A reti...
10/16/2026

Retirement confidence starts with knowing how much you can spend without putting your long-term security at risk. A retirement spending calculator helps connect your savings, income sources, planned expenses, and expected longevity so you can make more informed decisions—not rely on generic rules of thumb. This article explains how to use the tool as part of a personalized, fiduciary-guided strategy designed to put your goals first.

https://studdardfinancial.com/retirement-spending-calculator/

Roth conversions can be a powerful retirement tax strategy—but waiting until required minimum distributions begin may li...
10/11/2026

Roth conversions can be a powerful retirement tax strategy—but waiting until required minimum distributions begin may limit your options. Converting too much, too soon can also create unnecessary taxes, Medicare surcharges, or other complications. This article explains the key tradeoffs so you can evaluate Roth conversions in the context of your income, charitable goals, legacy plans, and long-term financial security. Sound planning means looking beyond generic rules and putting your interests first.

https://studdardfinancial.com/roth-conversions-before-rmds-start/

Inherited IRAs come with important rules, deadlines, and tax considerations—and the right strategy depends on who inheri...
10/10/2026

Inherited IRAs come with important rules, deadlines, and tax considerations—and the right strategy depends on who inherited the account and when. This guide explains the key decisions beneficiaries should understand before taking distributions or making changes. Informed planning can help protect more of your inheritance and avoid costly mistakes.

https://studdardfinancial.com/inherited-ira-rules/

Healthcare can become one of the largest and least predictable expenses in retirement, yet many plans underestimate it. ...
10/05/2026

Healthcare can become one of the largest and least predictable expenses in retirement, yet many plans underestimate it. “Your Guide to Retirement Healthcare Costs” explains what to consider—from Medicare premiums and supplemental coverage to long-term care and out-of-pocket expenses—so your retirement strategy is built on realistic numbers. With clear, fiduciary-minded guidance, it helps you protect your savings and make informed decisions for the years ahead.

https://studdardfinancial.com/guide-to-retirement-healthcare-costs/

“Fee-only” sounds straightforward—but what does it really tell you about an advisor’s incentives, fiduciary responsibili...
10/04/2026

“Fee-only” sounds straightforward—but what does it really tell you about an advisor’s incentives, fiduciary responsibility, and investment approach? Byron Studdard, CFP® and founder of Studdard Financial, breaks down what to evaluate beyond the fee structure, including whether your portfolio receives thoughtful, active oversight instead of being placed into a generic buy-and-hold strategy. For investors and families who value transparency, accountability, and advice built around their best interests, this review offers a practical framework for asking better questions.

https://studdardfinancial.com/fee-only-financial-advisor-review/

Retirement planning is about more than choosing a few funds and hoping a buy-and-hold strategy gets you there. A CFP® pr...
10/03/2026

Retirement planning is about more than choosing a few funds and hoping a buy-and-hold strategy gets you there. A CFP® professional can help connect your income needs, risk tolerance, tax considerations, and long-term goals through clear, fiduciary-minded guidance and transparent compensation. This article explains what to expect from the relationship—and how thoughtful, active portfolio management may help protect and grow your retirement assets through changing markets.

https://studdardfinancial.com/can-cfp-help-with-retirement/

Cash flow planning isn’t just a spreadsheet exercise—it’s how you protect your family from surprises and stay on track w...
10/01/2026

Cash flow planning isn’t just a spreadsheet exercise—it’s how you protect your family from surprises and stay on track with fiduciary responsibility and clear, ethical guidance. In our Cash Flow Planning Guide, we break down how to think beyond the “set it and forget it” portfolio advice and build a realistic plan that holds up through both good markets and stressful downturns. As a CFP® who trades actively and focuses on transparency, Byron Studdard shows you how to connect cash flow, timing, and investment decisions so you can move forward with lasting confidence. If you’re serious about retirement readiness and smarter wealth stewardship, this is the framework you’ll want in your corner.

https://studdardfinancial.com/cash-flow-planning-guide/

Sarasota business owners have to think one step ahead—especially when it comes to retirement readiness, cash flow, and w...
09/29/2026

Sarasota business owners have to think one step ahead—especially when it comes to retirement readiness, cash flow, and what happens when the market turns. In “Sarasota Business Owner Planning for the Next Move,” Byron Studdard explains how fiduciary responsibility and transparent, client-first decision-making should guide every move, not generic “buy and hold” portfolios. He combines day-to-day active trading with technical and fundamental analysis to help protect against bear-market pressure while pursuing opportunities as they develop. If you’re tired of opaque fees and passive recommendations that ignore real-world risk, this piece is worth your time.

https://studdardfinancial.com/sarasota-business-owner-planning/

Retirement decisions shouldn’t be made on autopilot—because fiduciary duty means you deserve clear, honest answers to th...
09/27/2026

Retirement decisions shouldn’t be made on autopilot—because fiduciary duty means you deserve clear, honest answers to the questions that can shape your income, taxes, and risk for years. In this piece, Byron Studdard lays out the top questions people should ask before they retire, with a client-first lens that challenges passive “buy and hold” comfort when your goals demand more active, protective management. It’s a straightforward way to stress-test your plan and make sure your strategy is built to last, not just to be left alone. If you’re serious about protecting what you’ve earned and transferring it responsibly, this is the kind of retirement clarity you can’t afford to skip.

https://studdardfinancial.com/top-questions-before-retirement/

Address

1922 Exeter Road, Ste. 23
Germantown, TN
38138

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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