# Financial Management Advisors

Financial Management Advisors is a Bank / Wealth / Trust based in Tullahoma, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Tullahoma, United States
- **Region:** North America
- **Address:** Tullahoma, TN, United States
- **Founded:** 2001
- **Assets under management:** Undisclosed
- **Website:** lesterfinancialgroup.com

## About

Founded in 2001, Financial Management Advisors set up in Tullahoma, Tennessee, as a registered investment advisor providing wealth management and financial planning services to individuals, businesses, estates, partnerships, and trusts. The firm is operationally tied to Lester Financial Group, which serves as its public-facing brand and website domain. Its client base is concentrated in the southern Tennessee region, though the RIA structure allows it to serve clients across the United States. The firm's strategy centers on integrated advisory — combining retirement planning, tax-aware portfolio construction, and ongoing investment management. Unlike asset gatherers that outsource investment decisions to third-party model providers, Financial Management Advisors retains direct discretion over client portfolios. Its platform includes equities, fixed income, and mutual fund allocations, with a documented willingness to manage assets for trusts and estates alongside individual retirement accounts. Team size and total regulatory assets under management are not publicly disclosed. The firm maintains a single office in Tullahoma and markets its services through the Lester Financial Group identity. No adjacent vehicles — such as a philanthropic foundation, real-asset arm, or operating business — are associated with the firm in public filings. September 2023: The firm continued to maintain its SEC registration as an RIA without reported disciplinary events. Financial Management Advisors' structural differentiator is its fiduciary-only posture as a registered investment advisor operating from a single location in a regional market. This architecture means every client relationship is a direct advisory mandate, not a distribution channel.

## Sectors

- Wealth Management
- Financial Services

## Questions

### Does the firm run pooled investment funds or only separate accounts?

The firm's disclosed service model centers on separately managed accounts tailored to individual client goals. It does not publicly market pooled investment vehicles like mutual funds or hedge funds. Its advisory services cover portfolio management, financial planning, and retirement planning, all executed on a discretionary basis for each client.

### Does the firm provide services beyond Tennessee?

Yes. While the firm is physically located in Tullahoma, Tennessee, its RIA registration permits it to serve clients in multiple states. It advises individuals, businesses, and trusts across the United States. However, its marketing and client base appear concentrated in the southern Tennessee region.

## Related profiles

- [Financial Life Focus](https://altss.com/profile/financial-life-focus)
- [Financial Management Network (FMN)](https://altss.com/profile/financial-management-network-fmn)

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Updated: 2026-08-11T02:43:31.692Z

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