Financial Planning

When people think of financial planning, they usually think of investments and insurance. In fact, many financial salespeople refer to themselves as financial planners. While investments and insurance are part of a financial plan, they are not in and of themselves a plan. At Gragg & Gragg, LLP, we offer personal financial planning that takes all aspects of your financial life into consideration. By carefully listening to your goals and values, we can craft a plan that gives specific unbiased advice on how to manage your cash reserves, debt, insurance, investments, income and estate tax. We are a holistic financial planning and investment advisory services firm, on your side to meet all of your financial needs.

We turn a jumble of financial elements into a concise and inter-locking system. Our comprehensive process means organization, structure, and efficiency that you can trust.

With a Gragg & Gragg LLP financial plan, you can expect:

  • A well-crafted investment strategy that meets the needs of your unique financial life.
  • A thorough review of your risk profile and a plan to handle those risks.
  • A competent estate plan that minimizes costs and ensures your legacy is unimpaired.
  • Wise counsel in the management of your financial affairs such as:
    • Determining the best method to save for college or retirement.
    • Choosing the right mortgage through our unique access to local and national opportunities.
    • Finding the best insurance policies through our licensed network of independent insurance consultants.
    • Developing a secure, stress-free, and long term tax strategy.
  • Lastly, you can expect that unlike stock brokers or registered representatives, we will never try to sell you a financial product. As a Fee-only Registered Investment Advisor firm, you can trust that we only want to sell you our knowledge, and that your success is our number one priority.

We help you make better decisions. We make your life easier by relieving you of financial concerns and allowing you to live your life more fully, secure in the knowledge that the financial side is well tended.


"I remember a client walking up the stairs with me to my office. She was overwhelmed by her finances and family issues as we walked up those stairs. But when we later stepped out of my office, she was smiling because her fears were gone; we had a strategy to complete a will, to knowing that she had been saving enough and everything would be ok with her son if anything happened to her. She had a complete sense of assurance and was at peace. I want to bring that kind of feeling to other people as well. This isn’t about the money; it’s about family. It’s about being prepared for whatever life throws at us.”

 - Bryon Gragg

Investment Advisory

Investing in the stock market is a crucial part of any investment plan. Between 1950 and 2009, the average return of the stock market was 11% per year, which includes recessions, crashes, political dilemmas etc. Just as the long term wealth-building returns of the stock market are undeniable, so is the time and hard work it takes to manage a healthy investment portfolio. Some clients don’t mind this work, others like to pass this responsibility to us. We’ve found that no matter your place in life, or the amount of assistance you want with your portfolio, we can customize a solution for you.

We’ve also found that it can be hard to cut through all the noise of the financial system and determine whom to listen to. We’re proud of our proven experience, and that we have what it takes to make it easy for you. In fact, we have a legal and fiduciary duty to put your interests first when giving you investment advice and managing all your investments. But you might be surprised to learn that many firms do not have this duty.

Independent Registered Investment Advisors (RIAs) are held to a higher standard than stock brokers or registered representatives when it comes to doing the right thing for their clients’ investments. RIAs have a fiduciary duty to act in the best interests of the client at all times. Brokerage firms do not. As a RIA, we do not engage in other business activities like investment banking or underwriting, which brokerage firms do. These activities may cause a brokerage firm’s interest or attention to focus on other areas of the firm outside of their retail brokerage business and customers.

Registered Investment Advisors like us charge clients a fee negotiated in advance and cannot earn any other profits from clients without the clients’ prior consent. Most investment advisors are paid an asset-based fee, so their interests are aligned with their clients. Brokerage firms’ revenues may increase even if the customers' assets shrink.

You can rest assured that our licenses and experience assures that your best interest is our best interest. We’re proud that on top of our fiduciary status, we have attained the Personal Financial Specialist designation, which less than 3000 CPAs across the nation had at the time of our induction. When it comes to your investments as a part of our holistic financial plan, we are proud of our ethical approach to giving you the best that we have.

Beginning June 30, 2020, all Registered Investment Advisors and Broker-Dealers are required to provide clients with Form CRS (Client Relationship Summary) on an annual basis.

According to the Securities and Exchange Commission, Form CRS is to provide investors with “simple, easy to understand information about the nature of their relationship with their financial professional,” in order to help them compare services between firms and make more informed decisions.

"Many of my father’s clients have shared with me that they are so thankful for my Dad encouraging them to contribute to their IRAs all those years ago. They insist that if it were not for that, they would not be as financially secure as they are today. This has always given me comfort in that I’m trying to do the same thing that he did long ago, and I hope my clients remember me as fondly as Dad’s clients remember him.”

- Jay Gragg

Tax & Accounting

For over 50 years, our family business has delivered tax and accounting services with the quality and care that community members have come to trust. This is our specialty and our foundation. To us, it’s not simply preparing taxes; we strategize, maximize, and engage with you.

We work with individuals and closely held businesses to assist them with tax planning and preparation. Taxes can be intimidating, but we have the proven experience to ensure your best outcome. We believe in taking a forward thinking view and adding value through going beyond the traditional by planning for your taxes in the years to come. From the macro picture to the minutia, we strive to offer advice that is helpful, pertinent, and easy to understand.

Some clients choose us as a solution to the frustration of using multiple firms to receive all the services they need. Others choose us for the personal attention and professional ethics we provide. Tax season can be stressful for even the most organized professional, and having a team like ours on your side means you can maximize your time and the potential of your finances as a whole.

As a local firm, we have a hand on the pulse of the regional economy and an insight that many of the national firms do not have. This is a local financial planning and investment advisory services firm that’s on your side to meet all your needs. We are licensed, accountable, and accessible. We consistently increase our knowledge to ensure we have the most up to date information and strategies available for our clients. We have the unique freedom to offer local, holistic, and premier solutions. Our ability to provide complete financial planning for you takes us “Beyond the Traditional” CPA firm.

"Over the last 15 years we’ve moved a long way from the traditional accounting firm. We aim every day to be the complete financial package. We’re not moving money from here to there making fast-paced deals. We’re with people over the long haul.”

- Bryon Gragg