P
Philip M. Watson, Financial Advisor
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
55
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
55
HighAverage account size
$0
About
Philip M. Watson Financial Advisors serves middle‑income individuals and families with holistic financial planning and investment advisory services that address tax, estate, retirement, risk management and small business needs. The firm operates as a fee‑only adviser and states that it does not sell insurance or accept commissions on product recommendations.
Investment recommendations are developed around each client’s tax situation, risk tolerance and financial goals using public research sources (for example, Morningstar) and typically favor no‑load mutual funds, government securities, certificates of deposit and individual bonds. The firm does not provide discretionary portfolio management for individual accounts; advice is generally non‑discretionary and clients retain custody and execution of transactions.
PMW/FA uses a retainer and flat‑fee approach rather than charging fees as a percentage of assets under management, and it includes services such as tax return preparation, estate plan reviews and multiple scheduled meetings during the initial engagement. The firm is a member of NAPFA and the National Association of Tax Professionals, maintains a written Code of Ethics, and does not take custody of client assets or accept third‑party commissions.
Client services
Financial planning
Expertise
General retirement planning
Fee options
Project Retainer services typically flat-fee based; Financial Review flat fee up to $3,500 (up to $1,500 for net worth less than $100,000); $350 charge for amended tax returns
Up to $350 per hour for specific project requests
Fee-only: Open Retainer initial year fees: $5,000 - $10,000 annually; Renewal years: $3,000 - $8,000 annually; Project Retainer and Financial Review fees as flat or hourly fees
Main office location
Philip M. Watson, Financial Advisor
5319 Traceview Dr
Franklin TN 37064, United States
Number of offices
1
Most active in
Philip M. Watson, Financial Advisor has reported serving >5 clients in these states in the last 12 months.
Tennessee
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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