# Wealth With No Regrets

Wealth With No Regrets is a Bank / Wealth / Trust based in Alpharetta, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Alpharetta, United States
- **Region:** North America
- **Address:** Alpharetta, GA, United States
- **Founded:** 2010
- **Assets under management:** Undisclosed
- **Website:** wealthwithnoregrets.com
- **LinkedIn:** https://www.linkedin.com/company/wealth-with-no-regrets

## Regulatory record

- **CRD number:** 159201
- **SEC file number:** 801-128215
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/159201

## About

Wealth With No Regrets launched in 2010 when founder Stacey Horne, a CERTIFIED FINANCIAL PLANNER professional, established the registered investment advisor in suburban Atlanta. The firm serves individuals, high-net-worth families, small-business owners, and charitable organizations, charging a fee-only advisory fee rather than collecting commissions. That compensation structure, paired with a fiduciary obligation, positions the practice closer to a family office ethos than to a traditional brokerage — an alignment the firm actively highlights. The investment approach starts with mapped goals — retirement income, education funding, charitable intent — and builds asset allocations through a mix of equities, fixed income, and alternative exposures accessible to accredited investors. The firm does not run pooled funds; it constructs client portfolios using individual securities, ETFs, and third-party fund commitments. While it does not publicly detail every holding, its tactical levers include tax-loss harvesting across taxable accounts, direct indexing for concentrated positions, and structured income ladders for near-retirement clients. The practice covers the Southeast and works remotely with clients across multiple US states. By headcount, Wealth With No Regrets operates as a lean boutique — fewer than ten professionals — with Alpharetta as its single physical hub. Recent firm communications emphasize the launch of a caregiver-focused planning track, targeting women who leave the workforce to oversee eldercare or child-rearing, a niche that remains underserved by larger wirehouses. This track bundles cash-flow modeling, Social Security optimization, and long-term-care insurance review into a single retainer engagement. Where most independent RIAs rely on asset-gathering to scale, Horne's outfit integrates planning fees with a deliberately capped-client-count model. That architecture means the firm can decline relationships that do not fit philosophically without pressuring revenue-per-advisor benchmarks. It is a structural choice — low AUM-per-client conviction — that differentiates the practice from platform aggregators targeting the same affluent suburban demographic.

## People

- Stacey Horne — Founder and President

## Questions

### Who runs investment decisions at Wealth With No Regrets?

Stacey Horne, the firm's founder and president, oversees both financial planning delivery and investment strategy. She holds the CERTIFIED FINANCIAL PLANNER designation and built the firm's model-portfolio framework internally, though the practice delegates selected sleeves — such as fixed-income ladders and alternative-fund due diligence — to third-party research platforms per the firm's ADV filings.

### How does Wealth With No Regrets charge for its services?

The firm operates on a fee-only basis, charging either a percentage of assets under management or a fixed retainer for comprehensive planning engagements. It does not accept commissions, revenue-sharing payments, or referral fees from product providers — a structure that places it under an explicit fiduciary obligation to its advisory clients.

### Does Wealth With No Regrets manage proprietary funds or solely advise on third-party assets?

Wealth With No Regrets does not sponsor proprietary mutual funds, hedge funds, or private-equity vehicles. Client portfolios are assembled using individual equities, ETFs, individual bonds, and third-party fund commitments. The firm retains discretion over asset allocation and trading within managed accounts, but it is not an asset manager running commingled products for external investors.

### What kind of client does the firm typically serve?

The practice targets individuals and families navigating career transitions, pre-retirement distribution planning, and caregiving-related financial interruptions. While it serves a range of high-net-worth households in the Southeast, a growing proportion of engagements come from professional women who have left the formal workforce — a segment the firm formally addressed with a caregiver planning track launched in March 2025, per its public communications.

## Related profiles

- [Wealth Well](https://altss.com/profile/wealth-well)
- [WEALTHAPP Family Office](https://altss.com/profile/wealthapp-family-office)

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Last updated: 2026-08-11T02:43:31.692Z

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