Everything people ask before the first call.

An independent registered investment adviser is a firm registered under the Investment Advisers Act of 1940 that is not owned by, or contractually bound to, a bank, insurance carrier, or broker-dealer parent. 755 Financial holds this registration directly, which means investment recommendations are not tied to a parent company’s proprietary product lineup. Independence does not eliminate every conflict of interest — the firm’s Insurance and Lending practices involve their own compensation structures — but it does mean the advisory relationship is governed by Section 206’s fiduciary duty rather than a broker-dealer’s transaction-by-transaction suitability standard. The firm’s Form ADV Part 2A, filed with the SEC, itemizes every compensation source.

Search the firm’s name on the SEC’s Investment Adviser Public Disclosure (IAPD) database at adviserinfo.sec.gov, which lists every SEC- and state-registered investment adviser along with its Form ADV filings. Cross-reference any individual advisor’s name on FINRA BrokerCheck to see licensing history and disclosure events. A legitimate fiduciary registered investment adviser will have both a firm-level IAPD listing and, for any advisor holding securities licenses, a BrokerCheck record. Firms that resist sharing their CRD number or Form ADV Part 2A on request are worth a second look — both documents are public and take minutes to produce.

A broker-dealer representative operates under the SEC’s Regulation Best Interest, which applies on a transaction-by-transaction basis when a recommendation is made. 755 Financial’s Wealth Management practice operates as a registered investment adviser under the Investment Advisers Act of 1940, which imposes a continuous fiduciary duty under Section 206 rather than a per-transaction standard. The two frameworks produce different incentive structures: a continuous fiduciary duty applies at every point in the relationship, not only at the moment of a specific recommendation. Reviewing a firm’s registration type on the SEC’s IAPD database is the fastest way to confirm which standard governs a given relationship.

A single-service advisor typically manages one piece of a financial picture — investments, or insurance, or tax preparation — in isolation from the rest. 755 Financial coordinates seven practices (wealth management, tax and accounting, insurance, lending, estate planning, sports management, and family office services) under one team, so a decision in one area is evaluated against its effect on the others before it’s made. The trade-off is scope: a narrow specialist may go deeper on a single discipline. The right fit depends on whether the complexity in your situation lives in one domain or across several.

755 Financial’s Wealth Management practice operates fee-only for advisory accounts, meaning compensation for that practice comes from the client rather than from product sponsors. The firm’s Insurance practice involves commission-based compensation structures more typical of insurance placement, and the Lending practice has its own separate arrangement. A firm that also holds insurance-licensing and coordinates lending is not, taken as a whole, a single fee-only entity — the fee-only description applies specifically to the advisory relationship, and Form ADV Part 2A, Item 5 is where that distinction is spelled out in full for anyone comparing firms.

Cost depends on which practices are engaged and how they’re structured — advisory fees for the Wealth Management practice are typically a percentage of assets managed, disclosed in Form ADV Part 2A, Item 5, while Insurance and Lending involve their own separate compensation structures disclosed at the point of engagement. There is no single number that applies across all seven practices. The clearest way to get an accurate figure for your situation is a first conversation, where the relevant practices and their specific fee or compensation structure are laid out before anything is signed.

An introductory conversation is typically a scoping discussion, not a sales pitch or a plan delivered on the spot: what’s currently in place, where the moving parts are (accounts, insurance, a business, an upcoming transition), and which of the firm’s seven practices are actually relevant to the situation. Bring a recent statement or two if you have them, though nothing formal is required to have the conversation. From there, if it makes sense to proceed, the firm outlines what a coordinated engagement across the relevant practices would involve and what it costs. Nothing is signed or committed to in the first meeting.

There is no fixed minimum stated on this page, and the firm’s Form ADV Part 2A is the authoritative source for any account-minimum or fee-schedule questions tied to a specific service. What matters more than asset level is complexity: coordination between wealth, tax, insurance, and estate planning tends to add the most value once a household has multiple accounts, a business, real estate, or an inheritance creating decisions that touch more than one domain at once. A first conversation is the fastest way to find out whether the scope of what 755 coordinates actually matches what your situation needs right now.

The firm’s home office is in Woodstock, Georgia, in Cherokee County, and it primarily serves clients across the greater Atlanta metropolitan area. State registration determines which states a registered investment adviser can lawfully serve, and that registration list is disclosed on the firm’s Form ADV Part 1A, filed with the SEC and available on the IAPD database. Anyone located outside Georgia should confirm current state registration before engaging the firm, since registration status can change and is the operative fact — not general geographic proximity.