Financial Discovery

The Financial Discovery Group, Inc. is a Registered Investment Adviser based in Atlanta, Georgia, owned by Galina Dimitrova Courson and John S. Huber. Established in 1996, the firm specializes in providing financial planning services, with approximately 50% of total advisory billings attributed to financial planning advice. The remaining 50% is from investment supervisory services. The firm tailors its services to individual client needs, offering annual review meetings and allowing clients to impose restrictions on certain investments. The firm manages $87 million in discretionary assets and $400,000 on a non-discretionary basis. Clients typically have a minimum account size of $500,000. Regarding fees, The Financial Discovery Group charges a percentage of the portfolio value, with a maximum cumulative fee specified. There is also a fixed minimum annual fee for portfolios below a certain value. The firm bills quarterly and deducts fees from client assets within fifteen days. Clients may choose to have fees deducted or be billed. The firm does not participate in wrap fee programs and does not receive compensation from transactions. Clients may incur brokerage fees and underlying expense ratios from mutual funds and ETFs. The firm's investment strategies include Asset Liability Matching, fundamental valuation, and economic cycle analysis. They invest in various securities, both foreign and domestic, and advise on long-term and short-term purchases, options, and bonds. The firm emphasizes the risks associated with each type of security, including potential losses and market volatility. The Financial Discovery Group, Inc. acts as a fiduciary, accepting discretionary authority to manage client accounts and providing regular account reviews. The firm does not receive soft dollar benefits and does not engage in performance-based fee arrangements. The firm's principals, Galina Dimitrova Courson and John S. Huber, have extensive educational backgrounds and certifications, including CFP, CPA, and CFA designations. They adhere to strict ethical standards and have no disciplinary history.