Question 1

Do you have a customer satisfaction or refund policy?

Accepted Answer

We do not lock anyone into a long-term contract. Our advisory agreement can be ended in writing at any time, and because we are compensated by an asset-based advisory fee rather than by commissions, there are no surrender charges, back-end loads or product penalties to work around if you decide to leave. Fees are billed on the assets we manage for the period we manage them. More practically: if something about the relationship is not working, we want to hear about it early. Most service problems are fixable in one conversation. If we ultimately are not the right fit for you, we will say so and help you move your accounts wherever you want them, without friction.

Question 2

Why should I choose you as my financial advisor?

Accepted Answer

Three reasons, in order of how much they matter. First, independence. TBH is an SEC-registered investment adviser with no broker-dealer affiliation. We are not selling a parent company's products and we are not compensated by anyone but you. At a bank or a wirehouse, the advisor ultimately works for the institution. Here, the obligation runs to the client. Second, depth on the hard parts. Travis spent almost 15 years in bank trust departments before co-founding TBH in 2008 and is a Certified Trust and Financial Advisor. Trusts, estates, business transitions and multi-generational planning are where most portfolios actually go wrong, and that is exactly where our experience is deepest. Third, we are actually here. We are a locally owned firm in a restored 1816 home on Third Avenue North in downtown Franklin. Our families, our schools and our churches are in Williamson County. That is a level of accountability a call center cannot offer.

Question 3

What are your qualifications? What is your education background?

Accepted Answer

Travis Anderson, our Managing Member, holds a B.S. in Finance with a minor in Economics from the University of Tennessee and an MBA in Finance from Middle Tennessee State University, earned summa cum laude. He completed the three-year program at Southern Trust School and passed the Certified Trust and Financial Advisor (CTFA) exam. Before co-founding TBH in 2008, he spent almost 15 years at Fifth Third Bank as Assistant Vice President, Trust Officer and Senior Portfolio Manager, where he served on the Trust Investment Committee, the Discretionary Action Quorum and the Portfolio Management Committee, and managed the Private Bank department in Tennessee. Kim Sams, our Client Service Manager and Paraplanner, holds a Bachelor of Business Administration with a minor in Management from Middle Tennessee State University. She earned the Financial Paraplanner Qualified Professional (FPQP) designation in 2020 and the Certified Divorce Financial Analyst (CDFA) designation in 2025, and brings more than 25 years of management, operations and client service experience. The firm itself is TBH Global Asset Management, LLC, an SEC-registered investment adviser, firm CRD #145536.

Question 4

How do you charge for your services?

Accepted Answer

We charge a single, transparent advisory fee based on the assets we manage. There are no commissions, no sales loads and no product-based compensation. First $250,000: 1.10% $250,000 to $1,000,000: 1.10% $1,000,000 to $3,000,000: 0.80% $3,000,000 to $5,000,000: 0.80% $5,000,000 to $10,000,000: 0.60% Over $10,000,000: 0.60% Minimum portfolio size for new managed accounts is $250,000. Your custodian may charge separate transaction or account fees, and underlying funds carry their own internal expenses; we tell you about those up front rather than letting you find them later. The initial consultation is free and carries no obligation.

Question 5

How are you compensated? How will I pay for your services?

Accepted Answer

We are paid by our clients and only by our clients. Our compensation is an advisory fee calculated as a percentage of the assets we manage for you - we are not paid commissions for selling products, and we are not compensated by a broker-dealer or fund company. Our standard schedule is tiered, so the rate comes down as the relationship grows: First $250,000: 1.10% $250,000 to $1,000,000: 1.10% $1,000,000 to $3,000,000: 0.80% $3,000,000 to $5,000,000: 0.80% $5,000,000 to $10,000,000: 0.60% Over $10,000,000: 0.60% The fee is deducted from the account rather than invoiced separately, and it is disclosed in writing in our advisory agreement and in Form ADV Part 2A before you sign anything. Our minimum for new managed accounts is $250,000.

Question 6

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Accepted Answer

That depends on how your account is set up, and the choice is yours - it is spelled out in the advisory agreement you sign, and nothing is ever bought or sold outside the authority you have given us in writing. Under a discretionary arrangement, you set the objectives and constraints with us up front in an investment policy, and we execute inside those guardrails without calling for approval on each trade. Clients choose this because markets do not wait for voicemail to be returned, and because rebalancing and tax-loss harvesting only work if they can be done promptly. Under a non-discretionary arrangement, we recommend and you approve each transaction. Either way, you receive confirmations and statements directly from the custodian, not from us, so you always have an independent record of every transaction in your account.

Question 7

How many clients do you currently manage?

Accepted Answer

Across the firm, TBH manages more than $1.1 billion in assets for individuals, families, trusts and entities. We deliberately keep the number of relationships per advisor low enough that you deal with your advisor and with Kim directly rather than with a call center or a rotating service queue - that is the whole reason we built the practice this way. We are happy to tell you our current client-per-advisor number on the first call; ask, and you will get a straight answer.

Question 8

Will you be the only person working with me?

Accepted Answer

No, and that is intentional. You will work with Travis Anderson as your advisor and with Kim Sams as your client service manager, so there are always two people at TBH who know your situation, your accounts and your family. That means service requests, transfers and paperwork do not stall when one person is out. Beyond our own team, we work alongside your attorney and CPA rather than around them. In our experience most financial mistakes happen in the gaps between professionals - the investment plan says one thing, the estate documents say another, and the tax return reflects a third. Our job includes closing those gaps.

Question 9

Do you offer any guaranteed results?

Accepted Answer

No. Any advisor who guarantees investment results is either misunderstanding the market or misrepresenting it, and you should walk away from that conversation. What we will commit to is process: a written plan tied to your actual goals, a portfolio built to a risk level you have agreed to, transparent fees, direct access to the people managing your money, and a phone call returned the same day. Returns are the market's to give. Discipline, cost control, tax awareness and risk management are ours.

Question 10

How much risk should I be willing to take?

Accepted Answer

Exactly as much as your plan requires and your temperament can sustain - and those two numbers are often different, which is the real work of the conversation. We start by separating capacity from tolerance. Capacity is arithmetic: how long until the money is needed, what other income exists, how much of the portfolio is spoken for. Tolerance is behavioral: what level of decline you can watch without abandoning the plan at the worst possible moment. A portfolio that is theoretically optimal but that you will bail out of in a downturn is not optimal at all. Our name comes from the Aesop fable - TBH stands for Tortoise Beats Hare - and that is not a marketing line. It is how we build portfolios: slow, steady, risk-adjusted, and durable enough to survive the bad years, because those are the years that determine the outcome.

Question 11

Have you ever been charged with any breaches?

Accepted Answer

Our regulatory record is public, and we would rather you check it than take our word for it. TBH Global Asset Management, LLC is an SEC-registered investment adviser, firm CRD #145536. You can review our Form ADV, including any disclosure history, at adviserinfo.sec.gov, and you can look up individual advisors at brokercheck.finra.org. We encourage every prospective client to run that search on us before the first meeting - and to run it on every other advisor they are considering. It takes about two minutes and it is the single most useful piece of due diligence available to an investor.

Question 12

What services do you provide?  What are your specialties?

Accepted Answer

Services: investment and portfolio management, retirement planning, 401(k) rollovers, trust and estate planning support, tax planning coordination, education funding, stock option planning, business retirement plans, wealth management, and insurance and risk management review. Specialties: trust and estate work is our deepest bench. Travis is a Certified Trust and Financial Advisor who spent almost 15 years managing fiduciary portfolios for trusts, high-net-worth individuals, corporations and non-profits before co-founding TBH. We are also well suited to pre-retirees and retirees building a durable income plan, to business owners weighing a transition or a company retirement plan, and - through Kim's CDFA designation - to clients working through a divorce who need to understand the long-term financial consequences of settlement options before they sign.

Question 13

What is your experience?  How many clients do you currently manage?

Accepted Answer

TBH was founded in 2008 and today manages more than $1.1 billion for clients, trusts and entities. Travis Anderson has worked in the industry for roughly three decades, including almost 15 years at Fifth Third Bank as Assistant Vice President, Trust Officer and Senior Portfolio Manager before co-founding the firm. Kim Sams brings more than 25 years of management, operations and client service experience and has been with TBH since 2019. On client count: we keep relationships per advisor intentionally limited so that clients talk to their advisor rather than to a service queue. We will give you our current number on the first call - just ask.

Question 14

What financial institution(s) do you represent?

Accepted Answer

None. That is the point. TBH Global Asset Management, LLC is an independent, SEC-registered investment adviser (firm CRD #145536). We are not affiliated with a broker-dealer, a bank, an insurance company or a fund family, and no outside institution pays us for the recommendations we make. Client assets are held at an independent, third-party custodian - Fidelity Institutional - which means we never take custody of your money. Your statements and trade confirmations come to you directly from the custodian, not filtered through us. That separation exists for your protection, and we think you should insist on it from any advisor you interview.

Question 15

What is your approach to financial planning?

Accepted Answer

Plan first, portfolio second. Most firms lead with the investments because the investments are what they sell. We start with what the money is actually for - retirement income, a business transition, education, a legacy, care for a parent - and let that determine the portfolio, rather than the other way around. From there the approach is holistic and coordinated. We sit down with your attorney, your CPA and your other trusted advisors so that the investment plan, the tax plan and the estate plan agree with one another. Travis's background as a trust officer means trust and estate mechanics are handled in-house rather than treated as somebody else's problem. Then we revisit it. A financial plan written once and filed away is a document, not a plan. Life changes, tax law changes, and the plan has to change with them.

Question 16

What services do you offer?

Accepted Answer

Investment management and portfolio management, retirement planning and 401(k) rollovers, trust and estate planning support, tax planning coordination, education funding and planning, stock option planning, business retirement plans, financial planning for individuals and for businesses, wealth management, and insurance and risk management review. We work with individual investors, families, trusts and business owners, and we can meet in our downtown Franklin office, at your home or office, or by phone or video conference - whatever is easiest for you.

TBH Global Asset Management LLC

Our Team