Fee-Only Financial Advisors in Johnson City, 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 Johnson City office to schedule your free consultation: 423-631-5786
About Our Johnson City Office Location
Located in the heart of Northeast Tennessee, our Johnson City office serves families and professionals throughout Washington County and the surrounding Tri-Cities region. We chose Johnson City because we believe in the strength of this community — hardworking people building meaningful careers, raising families, and planning for futures that matter.
Our Johnson City 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:
208 Sunset Drive
Suite 504
Johnson City, TN 37604
Hours:
Monday–Friday, 9:00 AM to 5:00 PM
Financial Services Offered in Our Johnson City 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.
Serving Johnson City Neighborhoods
We’re proud to serve clients throughout Johnson City and surrounding areas, including but not limited to:
- Downtown Johnson City
- Central Heights
- Indian Ridge
- Colonial Heights
- Pine Oaks
- North Johnson City
- Tree Streets District
- Boones Creek
- Gray
- Jonesborough
Many of our clients also come from nearby communities including Kingsport, Elizabethton, Bristol, Unicoi, and throughout Northeast Tennessee. Whether you live in Johnson City proper or the surrounding region, we’re here to serve you.
How We’re Different from Other Johnson City 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
Our ideal clients are families and individuals who value a long-term, holistic relationship built on personalized planning and transparent advice. Our approach is entirely client-centered, never product- or commission-driven.
Most clients come to us at a major financial crossroads: preparing for retirement and navigating the shift from saving to spending, receiving an inheritance or large sum of money, or simply wanting a trusted partner to help them avoid costly mistakes and protect what they’ve built.
We charge a flat fee based on assets under management, with no additional charges for ancillary services and no commissions — ever. All fees are fully transparent and clearly documented in your statements, so you always know exactly what you’re paying and why.
We have no minimum asset requirement. At Roan Capital Partners, every client receives the same level of personalized service and expertise regardless of portfolio size.
Yes — we offer financial planning as a standalone service or in conjunction with investment management, depending on your needs and goals.
We have offices in Johnson City, Oak Ridge, and Crossville, Tennessee. We work with clients in-person, virtually, or a combination of both — whatever works best for you.
Yes, and we encourage it. Our initial consultation is an opportunity to understand your goals, answer your questions, and make sure we’re the right fit before you commit to anything.
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.
The answer depends on your lifestyle, healthcare needs, and retirement goals. However, many Johnson City retirees find they need 70-80% of their pre-retirement income to maintain their standard of living. With Tennessee’s lack of income tax on wages and retirement income, your dollars stretch further here than in many other states.
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.
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 Johnson City Location
