Michelle Kruger Fernandez

Employer firm

Focus Partners Wealth, LLC CRD 159289

$182B regulatory AUM 1,500 advisory clients

Reported services (Item 5G)

• Financial planning
• Portfolio management (individuals)
• Portfolio management (investment companies)
• Portfolio management (pooled vehicles)
• Portfolio management (institutions)
• Pension consulting

From the firm’s Form ADV. Read the guides:

• Item 5F — Regulatory AUM
• Item 5G — Advisory services
• Full firm profile

Current Employers

Employment History

• 06/2021 → 07/2023
  Elwood & Goetz Wealth Advisory Group, Llc
  Athens, GA
• 06/2021 → 09/2021
  Elwood & Goetz Wealth Advisory Group
  Athens, GA
• 08/2019 → 05/2021
  Loras College
  Dubuque, IA
• 06/2011 → 08/2019
  Student
  Athens, GA
• 09/2021 → 07/2023
  Elwood & Goetz Wealth Advisory Group, Llc
  Athens, GA
• 07/2023 → 07/2024
  Gratus Capital, Llc
  Atlanta, GA
• 08/2024 → Present
  Focus Partners Wealth, Llc
  Clayton , MO

Previous Registrations

• 2023-08-23 → 2024-12-02
  Gratus Capital, Llc
  Atlanta, GA
• 2021-09-21 → 2023-08-14
  Elwood & Goetz
  Athens, GA

Other Businesses

Business Activity # 1 Name of Other Business: CFP Board Investment Related?: No Address of Company/Other Business: 1425 K Street NW #800, Washington, DC 20005 Nature or purpose of the company/other business: CFP Board sets and enforces standards for the CERTIFIED FINANCIAL PLANNER® certification, which is the standard of excellence in financial planning. Position/Title/Relationship: Contractor/ Writer/ Editor Start Date of Relationship: 08/01/22 Number of Hours per month: Varies Number of hours during securities trading: 0 Duties: Writing and editing books and whitepapers. This work occasionally includes interviewing experts in the financial planning field. Business Activity # 2 Name of Other Business: National Underwriter, a division of ALM Media, LLC Investment Related?: No Address of Company/Other Business: 150 East 42nd Street, New York City, U.S Nature or purpose of the company/other business: A media company that offers financial planning resources such as books, annual editions, and tools covering topics like investment planning, income tax planning, and more. Their products aim to provide professionals with the information and tools needed to make informed decisions and advise clients effectively. Position/Title/Relationship: Contractor/ Writer/Editor Start Date of Relationship: 6/01/17 (Approximate date I entered into the first contract; each book is a separate contract). Number of Hours per month: Varies Number of hours during securities trading: 0 Duties: I write, edit, and update textbooks that are published through ALM Media. I currently have three textbooks. Business Activity # 3 Name of Other Business: University of Georgia Investment Related?: No Address of Company/Other Business: 215 S. Jackson St., Athens, GA 30602 Nature or purpose of the company/other business: The University of Georgia is a public land-grant research university with its main campus in Athens, Georgia, United States. Position/Title/Relationship: Part-time Lecturer Start Date of Relationship: 01/01/23 Number of Hours per month: Varies. When I'm teaching, the work typically takes 10 hours per week, but I usually only teach one semester per year. Number of hours during securities trading: 0 Duties: I teach 1-2 classes annually in the financial planning program at UGA. Business Activity # 4 Name of Other Business: DataPoints Investment Related?: No Address of Company/Other Business: 4880 Lower Roswell Rd Ste. 165 #134, Marietta, GA 30068 Nature or purpose of the company/other business: DataPoints is a company that creates assessment for advisors to use with their clients that helps the advisor understand the client's money attitudes, wealth-building personality, and risk risk tolerance. Position/Title/Relationship: Consultant Start Date of Relationship: 01/01/2025 Number of Hours per month: <1 Number of hours during securities trading: 0 Duties: I will update the model with new data in January annually. The model maps risk tolerance scores to a range of potential investment allocations.

Designations

• Certified Financial Planner

Other Names

• Michelle Kruger
• Michelle Fernandez
• Michelle Eleanor Kruger