Serving clients since 2003. Byron Studdard has been a licensed financial advisor since 1993.
Studdard Financial, LLC is a fee-only fiduciary registered investment adviser with offices in Germantown, Tennessee, and Sarasota, Florida. We provide personalized financial planning and investment management for individuals, families, and business owners.
Our services include retirement planning, investment management, estate planning, portfolio diversification, and comprehensive financial planning. Every recommendation is tailored to your unique financial situation.
At Studdard Financial, we believe financial planning is about more than investments — it’s about creating long-term confidence, protecting your legacy, and helping you achieve the future you envision.
Everything we do is guided by one simple mission — to help our clients build lasting financial confidence through personalized advice and long-term planning.
— Studdard Financial
Byron Studdard is the Founder and President of Studdard Financial, LLC. A CERTIFIED FINANCIAL PLANNER™ professional, he has spent more than three decades helping individuals, families, and business owners plan for retirement and manage their investments.
Byron believes every financial plan should be built around the client’s unique goals, values, and long-term vision. His fiduciary approach means every recommendation is made with the client’s best interests first.
Byron has written about the beat-up Ford Maverick he and his father rebuilt, and what it taught him about value.
Byron Studdard has been a licensed financial advisor since 1993 and a CFP® professional since 1997.
CFP Board of Standards · July 21, 1997 · certificant no. 058413
Jacksonville State University · Jacksonville, AL · April 1991
Memphis, TN · December 15–17, 1998
Recognitions and directory listings received across Byron Studdard’s career, each shown with the organization that issued it, the office it relates to, and the year.
Byron began his career with IDS Financial Services and American Express Financial Advisors in Memphis, Tennessee, where the Mercury Award, the Outstanding Performance recognition and both Advanced Advisor Group appointments were earned. He founded Studdard Financial, LLC in 2003 and has since worked from offices in Germantown, Tennessee and Sarasota, Florida — the periods the later listings and community awards relate to.
The Best Businesses · Studdard Financial · Germantown, TN · 2026
Sarasota Award Program · Studdard Financial · Sarasota, FL · 2013
Consumers’ Research Council of America · Byron L. Studdard · Sarasota, FL · 2010 edition
Consumers’ Research Council of America · Byron L. Studdard · Germantown, TN · 2005–2006 edition
American Express Financial Advisors · Memphis, TN · January 2000
American Express Financial Advisors · Memphis, TN · June 1998
American Express Financial Advisors · Memphis, TN · 1994
IDS Financial Services Inc. · Memphis, TN · 1993
Each item above is shown with the organization that issued it and the year it was issued. The Advanced Advisor Group, Outstanding Performance and Mercury Award recognitions were issued by Byron Studdard’s prior employer and pre-date the founding of Studdard Financial, LLC in 2003. Ratings, awards and directory listings are not indicative of future performance, do not guarantee any particular result, and are not a recommendation. They should not be the sole basis for selecting an investment adviser. Criteria and any fees associated with a listing are available on request.
Studdard Financial does not take custody of client assets. Accounts are held at Charles Schwab & Co., Inc., an independent, unaffiliated broker-dealer and custodian. You receive statements directly from Schwab and can view your accounts there at any time.
Charles Schwab & Co., Inc. is not affiliated with Studdard Financial, LLC and does not endorse, recommend or review the firm or the advice it provides.
Byron has written as a contributor for ABC News on retirement, investing, mortgages and personal finance.
By Byron L. Studdard, CFP® · August 4, 2017
By Byron L. Studdard, CFP® · August 9, 2016
By Byron L. Studdard, CFP® · December 1, 2015
By Byron L. Studdard, CFP® · April 15, 2015
By Byron L. Studdard, CFP® · January 27, 2015
By Byron L. Studdard, CFP® · November 3, 2014
At Studdard Financial, we are committed to providing personalized, transparent, and fiduciary financial guidance designed to help you pursue your long-term financial goals with confidence.
We act in your best interest at all times, providing objective financial advice without conflicts of interest.
Independent financial guidance focused entirely on your personal goals rather than product sales.
Every strategy is tailored specifically to your financial objectives, lifestyle, and future aspirations.
We value lasting partnerships built on trust, communication, and exceptional client service.
Honest advice and clear explanations help you make confident financial decisions every step of the way.
Disciplined investment approaches designed to help build, preserve, and grow your wealth over time.
At Studdard Financial, we believe successful investing is built on discipline, diversification, and long-term thinking. Studdard Financial was formed in 2003 with the goal of using active management to help smooth out the ups and downs of the stock market.
Studdard Financial proudly serves clients from our offices in Germantown, Tennessee and Sarasota, Florida. Both offices are available by appointment to provide personalized financial planning and investment guidance.
1922 Exeter Rd, Suite 23
Germantown, TN 38138
By appointment only
2100 Constitution Blvd #147
Sarasota, FL 34231
By appointment only
Byron discusses his professional experience, fiduciary philosophy, and commitment to helping clients build lasting financial confidence.
Practical strategies to help protect your wealth, prepare for retirement, and make informed financial decisions with confidence.
Whether you’re preparing for retirement, growing your investments, or creating a comprehensive financial plan, Studdard Financial is here to help.
