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].

Claiming Social Security at 62 isn’t automatically the best choice—or a mistake. The right timing depends on your health...
10/22/2026

Claiming Social Security at 62 isn’t automatically the best choice—or a mistake. The right timing depends on your health, longevity expectations, spouse’s benefits, tax picture, income needs, and investment strategy. In “When Should Retirees Claim Social Security?” Byron Studdard explains the key trade-offs retirees should consider before making an irreversible decision. The goal is a retirement income plan built around your priorities—not a generic rule of thumb.

https://studdardfinancial.com/when-should-retirees-claim-social-security/

RMD rules are changing, and the decisions you make in 2026 could significantly affect your retirement income and tax bil...
10/21/2026

RMD rules are changing, and the decisions you make in 2026 could significantly affect your retirement income and tax bill. This article explains the current RMD age, key deadlines, and practical strategies that may help reduce unnecessary taxes while protecting your long-term financial security. Because retirement planning should never be generic, understanding your options is essential before taking a distribution or making a costly mistake.

https://studdardfinancial.com/required-minimum-distributions-made-clear/

Is your portfolio being managed for your goals—or simply placed into a model and left there? “Personal Management or a M...
10/18/2026

Is your portfolio being managed for your goals—or simply placed into a model and left there? “Personal Management or a Model Portfolio?” examines the difference between passive allocation and an actively managed approach grounded in market analysis, company research, and ongoing risk awareness. With fiduciary responsibility, transparent compensation, and personal guidance at the center, the article explains why individualized management can matter to investors building, preserving, or transferring wealth.

https://studdardfinancial.com/personal-management-or-model-portfolio/

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/

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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