Illuminating.Charting.Navigating

3 Easy Words to Find True Fiduciary Financial Advisors Who Empower You--Asset Guidance Group, LLC, a registered investment advisor...

Looking to find true fiduciary financial advisors? We use three (3) easy words: Illuminating, Charting, and Navigating, to provide the best fee-based fiduciary financial advice for retirement investing and planning. We illuminate by educating clients, because the first step to resolving an issue is to recognize that one exists. We chart a path to accomplish your goals for the future through simulated investment outcomes, risk, and cash flow analyses. We navigate life’s choppy waters by managing relationships and utilizing advanced planning techniques to keep your course current and on track.

Who We Are

Find True Fiduciary Financial Advisors With Professional & Personalized Levels of Care

CFP® MarkWallace R. Nichols, M.B.A., J.D., CFP® Professional, principal and founder of Asset Guidance Group, LLC, has over two decades of financial and legal expertise in wealth and legacy planning, protection, design, and implementation.

Jarod W Nichols, BA, IAR, has  over a decade of experience in helping families demystify financial complexities. Jarod has extensive experience in resolving worst-case financial scenarios including mortgage foreclosure resolution, creating budgets from the ground up, and the design and implementation of strategies geared to mitigate  or eliminate risk in clients’ financial plans and portfolios.

Click the Learn More button to see our extensive backgrounds.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

JW Nichols
JW Nichols
WR Nichols
WR Nichols
Expert & Professional

Convenient Access to Expert Advice

Although no one in our office is a CPA, Wally Nichols, MBA, JD, CFP® Professional, is qualified to represent you before the IRS, to prepare your taxes, and even represent you before the IRS in administrative proceedings or in federal court.

Prior to the Pandemic, Wally routinely taught continuing professional education classes to lawyers, CPAs, and financial planners through NBI, the National Business Institute in ethics, taxes, wills, estates, and trusts, business entity formation, and tax implications for all of the above.

Jarod is well-versed in addressing planning optimization issues in those various areas. Jarod has also helped thousands of consumers budget for tax implications to create stability in their financial lives.

Bottom Line: we will be discussing things that have tax and estate planning implications.  It’s hard to discuss retirement planning without bringing these things into the mix.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

As a registered investment adviser under the United States Federal Investment Adviser Act of 1940, we design our own models and manage our clients’ at-risk money upon request. Otherwise, we monitor third party money managers and clients who wish to use those models do so. However, we are extremely pleased with our own models’ respective performances. We tactically manage money for our clients in accord with their stated risk tolerances. We stay in contact with them regularly and frequently especially when we get market roller coasters. Many of our clients for whom we manage money are currently in retirement.

As a Registered Investment Adviser, AGG is governed by the Investment Advisers Act of 1940 (“40 Act”) and is regulated by the Securities and Exchange Commission (“SEC”) and state securities laws of Georgia, primarily regulated through the Department of Banking and Finance.

Our Custodial Trading Platforms:TD-Ameritrade/Schwab

Trading is not a game to us and we don’t treat it like a game. Schwab bought TD-Ameritrade Institutional during the pandemic and the two are completing their merger in 2022. TDAI offers us flexibility for a broad range of investment options including protective options trading and structured investments as well as efficient portfolio construction and management.

TDAI-Schwab’s platform holds brokerage accounts (including the brokerage accounts within IRAs, SEPs, Individual Plans, etc.). 

We use TDAI for a full-service broad platform that allows us to trade both fixed-income, equities (including margin and options) and protective strategies. Currently, equities trade in whole shares only at TDAI.

TDAI-Schwab fulfills legal responsibilities for safeguarding your assets while also providing related administrative services on your behalf, including settlement of purchases, tax and account record keeping, monthly statements, confidentiality and data integrity protections, and more.

Under the supervision and planning expertise of Wallace R. Nichols, M.B.A., J.D., CFP® Professional, we use a mathematical calculations that will lead us to an optimal amount that you should have in all  your retirement savings accounts, especially your tax-deferred accounts (“qualified accounts”), as well as your personal required rate of return to continue appropriate growth on those accounts (commensurate with your risk tolerance) by the time you start retirement.

Likewise, we optimize your  portfolio risk exposure to fit your personal risk tolerance. We manage downside exposure to guard your portfolio against drawdowns during down-markets to the extent  reasonably practical. We do this to mitigate “Sequence of Return Risk.”

Schedule a Discovery Meeting to learn what our use of these techniques can mean for you.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

We model cash flows in a variety of scenarios custom-fit to your case to reduce and eliminate to the extent practicable, the risk of decision-error in needs and recommendation analysis and assessment. We then re-test those scenarios against 1000 randomly applied market histories (e.g., “Up,” “Down,” “Sideway” years) to assess probabilities of success in Best Case Scenarios, Most Likely Outcomes, and Worst Case Scenarios. By proceeding in this fashion, we can all proceed with a reasonable degree of confidence concerning the likely outcomes of our decisions for the near-term future. By keeping your information current, we increase our porbabilities of successfully navigating your charted course as time passes.

A Quick Video

What We Do at Asset Guidance Group

Empower yourself with Our Expertise

Our Wealth Management Formula

Wealth Management is comprised of Investment Consulting, Advanced Planning, and Relationship Management.

Investment Consulting

We manage all investment elements to maximize the probability of you achieving all that is important to you. This  process includes:

  • Portfolio performance analysis
  • Risk evaluation
  • Asset allocation
  • Assessment of impact of costs
  • Assessment of impact of taxes
  • Investment policy statement
Advanced Planning

You need to find a financial planner who is experienced in Advanced Planning. Advanced planning includes:

  • Wealth Enhancement via tax mitigation and cash-flow planning;
  • Wealth Transfers: transferring wealth effectively, not always within a family;
  • Wealth Protection via risk mitigation, legal structures and transference of risk to insurance companies; and
  • Charitable Giving: maximizing the charitable impact
Relationship Management

You need to find a financial advisor who provides total Relationship Management. We manage the Client Relationship and the Professional Network Relationship.

We listen to clients and maintaining ongoing communication to keep everyone current as situations evolve. In advanced planning, we quarterback our team of professionals as necessary to implement any required advanced planning strategies.

IRA Investing

You need to find a financial advisor experienced in providing professional management of your individual retirement accounts. We do that and much more.

401k Advice

We send professional advice to your phone/email customized to your employer’s plan options

Full-Service for Professionals & Small Business
  • Leveraged retirement savings
  • Financed Buy-Sell Agreements
  • Healthcare plan optimization
In-Person & Online Educational Events

We offer in-person classes at community colleges, webinars, and online masterclasses

find true fiduciary financial advisors
Community College Classes

Click here to check out our latest community college events

Webinars

Click one of the links below to register for (or watch a replay of) our webinars on the various topics listed!

Online Masterclass

Click here to go to our online "The Changing World of Retirement" masterclass.

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Monthly subscription for our 401k, 403b, IRA, SEP, SIMPLE, etc., advice for employer-sponsored plans
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Monthly subscription for our 401k, 403b, IRA, SEP, SIMPLE, etc., advice for employer-sponsored plans
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Frequently asked questions

How much you need to retire depends on several factors personal to your lifestyle choices and abilities. We have created a calculator to help you get a rough estimate a dollar amount and time frame snapshot based on a few of those criteria. Click here to Learn More.

We are a fee-based financial advisor. We are also a fiduciary. That means we are duty-bound to plan and recommend strategies and solutions that are in your best interests. Click Here to Download Our Compensation Discolsure Statement.

We offer professional advice based on current market conditions to be delivered to your cell-phone on the first business day of each month that tells you:

  • How to re-allocate your existing holdings customized to your employer’s available plan options; and
  • How to allocate your current month contributions to your employer’s available plan options.

Click here to Learn More.

In our analysis, instead of attempting to game the system for a few extra dollars which all even out after age 80, the best way to maximize Social Security Benefits is to make sure you don’t pay taxes on those benefits. Schedule a Discovery Meeting to learn more.

We define a “Senior in the Danger Zone” as a person over the age of 65 years who has made no arrangements to pay for long-term care, or who is  at risk of outliving their retirement assets. 

Managing your way through market volatility such that you enjoy as much of the upside moves as you can while avoiding losing sacred money during market downturns is a matter of risk management. Click Here to Learn More.

We have designed a variety of  retirement plans for small business owners who didn’t think they could find extra cash flow to fund such a plan. We also have designs to enable small business owners to offer plans for their employees–especially to incentivize key employees to stay with the company.

We Solve $$$ Problems

How can we help you?

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