Fee-Only Financial Advisors in Oak Ridge, Tennessee

Making financial decisions shouldn’t keep you up at night. At Roan Capital Partners, we provide the clarity, expertise, and peace of mind you need to protect what matters most — your family’s financial security and future.

Whether you’re approaching retirement and worried about making your savings last, balancing college savings with your own retirement goals, or simply want a trusted advisor who puts your interests first, we’re here to help.

Call our Oak Ridge office to schedule your free consultation: 865-482-4211

About Our Oak Ridge Office Location

Located in Northeast Tennessee, our Oak Ridge office serves the professionals, families, and retirees who call Anderson, Roane, and surrounding counties home.

We understand the specific financial situations Oak Ridge residents face. Many of our clients work in highly specialized fields at ORNL, Y-12, or private contractors. Others work in healthcare, education, or own local businesses. Each brings unique financial challenges that require personalized solutions, not cookie-cutter advice.

Our Oak Ridge team brings over 100 years of combined financial industry experience to serve you. As a fee-only fiduciary firm, we never earn commissions on financial products. This means we have zero conflicts of interest when advising you — our only goal is helping you achieve your financial objectives.

Office Location:

675 B Emory Church Road
Oak Ridge, TN 37830

Hours:

Monday–Friday, 9:00 AM to 5:00 PM

Financial Services Offered in Our Oak Ridge Office:

Retirement planning

Retirement looks different for everyone, which is why we develop personalized retirement strategies that account for your specific situation, such as:

  • Social Security optimization to maximize your lifetime benefits
  • 401(k) and 403(b) rollover guidance to protect your retirement savings
  • Pension analysis for healthcare and education professionals
  • Income planning strategies to ensure your money lasts 30+ years
  • Tax-efficient withdrawal strategies to keep more of what you’ve earned

We model different scenarios using sophisticated planning software to show you the financial impact of each choice — helping you make informed decisions rather than guessing.

Investment management

Your investments should work as hard as you do. We provide comprehensive investment management services designed to grow your wealth while managing risk:

  • Portfolio construction aligned with your goals and risk tolerance
  • Regular rebalancing to maintain your target allocation
  • Tax-loss harvesting to minimize your tax burden
  • Fee-conscious investing to maximize returns
  • Ongoing monitoring and adjustment as markets change

Market volatility is normal, but it shouldn’t derail your long-term plans. Our investment philosophy focuses on staying the course through market ups and downs, making adjustments based on your life circumstances rather than emotional reactions to market noise.

Estate planning 

Estate planning isn’t just for the wealthy — it’s for anyone who wants to protect their family and ensure their wishes are honored. We help families:

  • Coordinate with local estate attorneys to create or update wills and trusts
  • Review beneficiary designations to avoid costly mistakes
  • Plan for multi-generational wealth transfer
  • Minimize estate taxes and probate costs
  • Establish powers of attorney and healthcare directives

Tennessee’s estate planning laws have specific nuances that affect how you protect your assets. We stay current on Tennessee regulations to ensure your plan works exactly as intended.

Get to know us

Joy Garland

Managing Partner, Founder

Joy founded Roan Capital Partners with a clear mission: provide honest, conflict-free financial advice to families throughout East Tennessee. With over 30 years of financial industry experience, Joy has helped hundreds of families navigate retirement planning, investment management, and wealth preservation.

Dr. Jeffrey Kastner

Chief Investment Officer

Dr. Kastner brings academic rigor and real-world investment expertise to every client relationship. His doctorate in business administration combined with extensive professional credentials ensures your investment strategy is grounded in both theory and practical market experience.

Rebekah Burton

Senior Advisor

As a certified financial planner, Rebekah provides comprehensive financial planning services with particular expertise in retirement income planning and estate strategies for Tennessee families.

Pam Fogle

Director of Operations

Pam ensures every client experience runs smoothly, from initial consultations through ongoing service. With over 15 years in the financial industry and deep roots in Northeast Tennessee, Pam combines operational excellence with genuine care for each family we serve.

Robert T. Green

Robert T. Green, Senior Advisor at Roan Capital Partners – Experienced fee-only fiduciary wealth advisor and tax professional in Tennessee

Senior Advisor

Bobby is an Oak Ridge native with over three decades of experience providing integrated accounting and financial services, having earned his CPA certification in 1994 and purchased his father’s practice that began in 1974. A former State President of the Tennessee Association of Accountants and dedicated community leader, Bobby has served on numerous boards including 20 years with the Boys & Girls Club of Oak Ridge.

Serving Oak Ridge and surrounding areas

We proudly serve clients throughout Anderson, Roane, and surrounding counties, including:

  • West Oak Ridge
  • Robertsville
  • Woodland
  • Jefferson
  • Karns
  • Clinton
  • Oliver Springs
  • Harriman
  • Kingston
  • Farragut
  • Knoxville

How We’re Different from Other Oak Ridge Financial Advisors

No commissions, no conflicts

Many financial advisors earn commissions when they sell you insurance products, mutual funds, or annuities. This creates an obvious conflict — their recommendation benefits them financially. As a fee-only firm, we earn nothing from product sales. Our compensation comes solely from client fees, aligning our interests with yours.

Personalized service, not cookie-cutter solutions

You won’t get a generic financial plan from us. Every client situation is unique, and your plan should reflect your specific goals, timeline, risk tolerance, and life circumstances. We take time to understand what keeps you up at night so we can create solutions that address your actual concerns.

Local roots, national expertise

Being based in Johnson City means we’re available when you need us. Want to meet in person? Our office is right here. Need to discuss market volatility after a tough day? We’re a phone call away. But we also stay connected to national trends, regulatory changes, and investment strategies through continuous education and professional networks.

Transparent pricing

We believe you should know exactly what you’re paying for financial advice. Our fee structure is straightforward and disclosed upfront. No hidden costs, no surprise charges, no fine print that benefits us at your expense.

Frequently Asked Questions

The best time is before you think you need one. Many people wait until retirement is imminent or a life crisis forces action. Starting earlier gives you more time to course-correct, more flexibility in strategies, and better long-term outcomes.

That said, it’s never too late to get professional help. Whether you’re in your 30s starting to save, your 50s approaching retirement, or already retired and worried about making your money last, we can help.

This is the question that keeps most people up at night. The answer requires analyzing your current savings, projected Social Security benefits, expected retirement age, anticipated expenses, healthcare costs, and life expectancy. We use sophisticated planning software to model different scenarios and show you where you stand.

Many Johnson City families are surprised to learn they’re in better shape than they thought. Others discover gaps that need addressing. Either way, knowing where you stand beats worrying about the unknown.

We charge a transparent fee based on the assets we manage for you. There are no commissions, no hidden costs, and no surprise charges. Your fee covers comprehensive financial planning, investment management, ongoing portfolio monitoring, and regular reviews.

We believe you should know exactly what you’re paying for advice, which is why we discuss our fee structure openly during your initial consultation.

Take the First Step Toward Financial Confidence

If you’re losing sleep over retirement concerns, market volatility, or whether your savings will last, let’s talk. We offer a complimentary initial consultation to understand your situation, answer your questions, and explore whether we’re a good fit to work together.

During your consultation, we’ll discuss:

  • Your current financial situation and biggest concerns
  • Your goals for retirement and beyond
  • How fee-only fiduciary advice works
  • Our planning process and what to expect
  • Whether our services align with your needs

Schedule Your Free Consultation at Our Oak Ridge Location

About Roan Capital Partners

Roan Capital Partners is a fee-only financial advisory firm serving families throughout East Tennessee from offices in Johnson City, Oak Ridge, and Crossville. As fiduciary advisors, we're legally and ethically committed to putting our clients' interests first, always.

Our team includes CERTIFIED FINANCIAL PLANNER™ professionals, CPAs, and investment specialists providing comprehensive financial planning, investment management, retirement planning, estate planning guidance, and tax-efficient strategies.

Roan Capital Partners is a registered investment adviser located in Johnson City, TN and Oak Ridge, TN.  Roan Capital Partners may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Roan Capital Partners website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of the Roan Capital Partners website on the Internet should not be construed by any consumer and/or prospective client as Roan Capital Partners solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Roan Capital Partners with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Roan Capital Partners, please contact the state securities regulators for those states in which Roan Capital Partners maintains a registration filing. A copy of Roan Capital Partners current written disclosure statement discussing Roan Capital Partners business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Roan Capital Partners upon written request. Roan Capital Partners does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Roan Capital Partners website or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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