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Our Team

Sheryl Garrett, CFP®, AIF®

Chief Executive Officer, Chief Compliance Officer

Sheryl Garrett, CFP®, AIF®, co-founder of Garrett Investment Advisors, has been dubbed "The All-American Planner," because of her zealous mission to "help make competent, objective financial advice accessible to all people." In 2000, Sheryl started the well-known Garrett Planning Network, a nationwide network of Fee-Only, hourly-based financial planners.

She has been recognized six times by Investment Advisor magazine as "One of the Most Influential People in Financial Planning." The first recognition came in 2003 and most recently in the May 24, 2016 issue of ThinkAdvisor.com, the online version of the publication.

For the inaugural Investment News – Icons & Innovators issue, Sheryl was one of eighteen recipients of the "2016 Innovator Award."

As part of its 40th anniversary celebration, Financial Planning magazine honored six practitioners that have made significant contributions to the financial planning industry, per the publication. Sheryl received an "Influencer Award" as "Practice Management Guru" in 2010.

In 2006, NAPFA (National Association of Personal Financial Advisors) recognized Sheryl with their Robert J. Underwood Distinguished Service Award for her contributions to the Fee-Only financial planning industry. Also, in 2013, Sheryl was recognized as one of the "30 Most Influential" people in NAPFA’s 30 year history.

Sheryl has also been honored to work with the House Subcommittee on Financial Services regarding predatory lending regulation and has testified before Congress on financial literacy and Social Security reform.

She has also worked as a consultant and expert witness in lawsuits against financial advisors who rendered questionable or inappropriate financial advice.

Sheryl has authored, coauthored or served as a technical editor on over a dozen books and several magazine columns. These books include Garrett’s Guide to Financial Planning (National Underwriter 2002, 2007), Just Give Me the Answer$ (Dearborn Trade 2004), Money Without Matrimony (Dearborn Trade 2005), Personal Finance Workbook For Dummies® (Wiley 2007, 2012), A Family’s Guide to the Military For Dummies® (Wiley 2008) and Investing in an Uncertain Economy For Dummies® (Wiley 2008).


Justin Nichols, CFP®

President, Chief Operating Officer

Justin Nichols, CFP®, co-founder of Garrett Investment Advisors, shares Sheryl Garrett’s commitment to make Fee-Only financial advice accessible to all people.

Since 2003, Justin has worked as Manager of Operations of the Garrett Planning Network. In 2007, he launched his own financial planning practice, Nichols Financial Advice, which is now an office of Garrett Investment Advisors. Through his Nichols Financial Advice financial planning practice, Justin provides Fee-Only, hourly, fiduciary financial advice to people at all stages of life and he specializes in providing advice to those in their 20s and 30s.

Prior to becoming a financial advisor, Justin worked as Quality Assurance Team Lead in Sprint’s Real Estate Technology group. He also formerly worked as a Consultant in Accenture’s Communications & High-Tech market group.

Justin also has a passion for financial education. In the past Justin has served as Board Member for the Flint Hills Financial Literacy Council (Manhattan, KS). He has also served as Treasurer for the Garrett Financial Education Alliance, a non-profit financial education foundation (Shawnee Mission, KS). He has also served as Financial Coach through the United Methodist Church of the Resurrection’s Stewardship Ministry (Leawood, KS). For six years he taught as an adjunct instructor in Kansas State University’s Personal Financial Planning program. He currently serves on the advisory board for Kansas State University’s Personal Financial Planning program.



Additional information about Garrett Investment Advisors is also available via the SEC’s Investment Adviser Search.


Headquarters Office:

 Garrett Investment Advisors, LLC
103 E. Van Buren, #357
Eureka Springs, AR 72632
Phone: (910) FEE‐ONLY
Fax: (910) 378‐1808
Email: Justin@GarrettAdvisors.com