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We're not your typical advisors. We build customized investment portfolios to endure any market, and we dot every "i" and cross every "t" with proactive, ongoing financial planning. But we don't just try to protect and maximize your financial wealth, we care about helping you live your best life. Ultimately, your financial resources should afford you the time and flexibility to pursue what's most important to YOU.

What if you could cut back on work or stop altogether to spend more time with your family...or pursue a dream or interest? What if you could make a change in your life that would improve the quality of the relationship you have with your spouse, children, or others? Questions like these often have financial ramifications and we encourage meaningful conversations about what really matters to you. You imagine the best version of your life, we help you gain clarity in the process, and then we synthesize the complex financial issues into a simple plan to help you get there.

Ultimately, life isn't about the money...it's about the journey, the memories you create, and the legacy you leave behind. You deserve to live your best life.

Click here to learn more about our mission or click our photos to learn more about us.

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Andy Avera


I have more than 20 years of experience providing fee-only wealth management to individuals and families. I have a master’s degree in personal financial planning. I have several designations after my name. That being said, these things do not define who I am. My family is the most important thing to me. I have a beautiful wife and 2 wonderful boys (ages 3 and 7). I try to put them first in everything I do. I do not pretend to be perfect, but I try.  

I love sports. I enjoy college sports more than professional, but it is mainly because I believe they play with more passion. My first love was baseball, but basketball and football are favorites now.  

I also enjoy being outside, whether that is exercising, going on a hike with my family, or simply being at the playground with my boys.

My favorite hobby is playing boardgames. It is how I met my wife. We have a large library of games and while I don’t play as much as I would like, we still get plenty of opportunities to play (with each other or with friends). I look forward to having family game nights.

Education & Designations

  • Bachelor of Science in Management with certificates in Finance and Economics - Georgia Institute of Technology
  • Master of Science in Personal Financial Planning - Georgia State University
  • Graduate of the Philanthropic Advisor Leadership Institute
  • CTFA - Certified Trust and Financial Advisor 
  • CAP® - Chartered Advisor in Philanthropy

Learn More About Me

What's the most inspiring part of your job?

Watching one of our families (clients) do something they never thought they could do, or never knew they wanted to do. It can be transformational. We get to see firsthand how big of an impact we have in people’s lives. It starts with us listening to truly understand what is most important to them. Then, we give them clarity to know what is possible. And ultimately, we help provide them peace of mind to know that they have taken care of everything so that their true wishes are fulfilled.

Your top 3 favorite Podcasts/Books?

I will give you my favorite three podcasts because the books change too frequently. And by books, I am much more likely to “read” them if they are on Audible. My three go-to podcasts are PTI (Pardon the Interruption; sports show so I can catch up on what is going on since our TV is more likely to have a cartoon on it); Kitces & Carl (work-related; it helps me be a better advisor); and Calm Parenting Podcast (personal; I’m trying to learn how to better interact with my strong-willed children).

Your favorite word in the English language is...

Why.  I love to understand why things work the way they do. I love to understand why people do what they do. Too often people do things because they “are supposed to”. I don’t believe in that. You do you and stop worrying about what others think about it.

The most important thing you learned before high school was:

The value of hard work. I was raised in middle Georgia in a middle-class family with two working parents (who recently celebrated their 50th wedding anniversary). I learned the value of hard work from watching them and I knew that I would need to work harder than those around me to succeed. So, I began to simply “outwork” everyone around me.  I was never the best athlete, but I was co-captain of my high school baseball team. I was never the smartest student, but I was valedictorian of my high school.

What are you happiest doing, when you’re not working?

There are a lot of things I enjoy doing, but playing boardgames is probably what I enjoy doing most. I met my wife playing boardgames and we go to a lot of gaming events. As my boys get older (currently 3 and 7), I hope the 4 of us can have regular game nights.

We’ll find you rooting for what team?

The local teams (Braves, Falcons, Hawks, Georgia Tech, or any team playing Georgia). I mostly enjoy watching college basketball and college football, but with young children, I don’t watch as much sports as I used to.

If you could only eat one meal for the rest of your life, what would it be?

Sushi (salmon, tuna, and eel). But for those who really know me, they know I would take a pill every day if I could get all of my nutritional content without having the hassle of preparing food, eating it, and then cleaning up!

What is the best gift you ever received?

A letter. I don’t need, or want, things. I love handwritten letters. It doesn’t have to be about anything specific. It can be whatever you want to say to me. I treasure them.  

If you could share a meal with any 4 individuals, living or dead, who would they be?

Abraham Lincoln, George Washington, Martin Luther King, Jr., and Gandhi. It should be some interesting conversations!

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Chris McCall


I can vividly recall being about 10 years old with CNBC running in the background of our home. My mom would have it on as she did household chores, and I would find myself attentively watching as billion dollar deals would be announced and stock prices moved this way and that way. The concept of profiting from doing careful research and making smart decisions (or getting lucky) was fascinating to me. This passion led me to major in finance at UVA where I was admitted into a class taught by John Griffin (a top hedge fund manager) and pitched an investment idea to his mentor and hedge fund legend, Julian Robertson. 

As a life-long learner with great curiosity, I’ve seen a lot over the years and always try to become wiser with each passing year. I’ve been fortunate to learn from and work with some great people during my career. I’ve also learned what works and what doesn’t. My collective experience led me to join Andy to build a firm that is mission-driven…not profit-driven. A prior mentor of mine would say, “Always do what’s right, and everything else will work itself out.” That stuck with me and it still guides me today. 

I’m living an intentional and fulfilling life, and I love how we can help others do the same. I’m truly grateful for my family and the client families I serve through JBW. I’m blessed beyond measure. 

Education & Designations

  • Bachelor’s of Science in Commerce - University of Virginia
  • Certified Investment Management Analyst Program - Wharton School of the University of Pennsylvania
  • Graduate of the Catholic Charities Atlanta Leadership Program
  • Graduate of the Philanthropic Advisor Leadership Institute
  • CIMA® - Certified Investment Management Analyst

Learn More About Me

Favorite quote:

"When your values are clear to you, making decisions becomes easier." - Roy E. Disney

What is a problem in the industry that you want to fix?

How firms view their clients as "numbers". Some firms refer to their client as "A, B, or C" clients while others reference the portfolio size (a "$5 million client" as an example). I want the industry to stop putting dollar signs above clients' heads. A client is a "who" not a "what". Advisors should be here to serve people, and our industry (and clients) will thrive once we embrace life-centered planning over asset-centered planning.

What are the values that drive you?

I value faith, integrity, family, and service.

What do you enjoy doing when you are not working?

I enjoy spending time with my kids, dating my wife, farming, woodworking, hiking, learning new things, and singing in my church choir.

Beach or mountains?

Mountains - I enjoy the serenity and fresh mountain air.

Early riser or night owl??

Definitely early riser. I have 4 kids and a barnful of animals... I have to be!

What is the most inspiring part of your job?

When a client tearfully looks you in the eyes and thanks you for all you do. It doesn't get much better than that.

If you could eat only one meal for the rest of your life, what would it be?

Our family does a Mexican feast every Sunday after church. It's fun and delicious, and my wife and I wash it down with margaritas!

What is the best gift you ever received?

My faith (from my parents). It drives my values and is a source of true joy and peace in my life.