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493 South Trade Street, Tryon, NC 28782

(800) 859-5537
Mike@AshworthFG.com
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Asheville, NC

Retirement Planning and Custom Financial Guidance for Asheville

If you're approaching retirement or simply want a clearer, more coordinated financial plan, we help individuals and families in the Asheville area build strategies designed around long-term confidence.

At Ashworth Financial Group, we provide independent, personalized financial planning for retirees, professionals, and business owners.

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Retirement Accounts When Changing Jobs or Approaching Retirement

We work with individuals and families across a variety of life stages, each with distinct financial concerns.


Those Approaching Retirement

If you’re within five to ten years of retirement, you may be asking:

  • Can I retire when I want to — and maintain my lifestyle?
  • Do I have enough saved?
  • How should my investments change as retirement approaches?
  • When should I begin taking Social Security?
  • How do I reduce unnecessary taxes in retirement?
  • What happens if markets decline right after I retire?

This stage requires shifting from accumulation to income planning. We help you build a retirement transition strategy designed to provide clarity, structure, and long-term sustainability.

Retirees

Once you’re retired, new questions often arise:

  • Is my income sustainable for the long term?
  • How do I withdraw money in the most tax-efficient way?
  • How should my portfolio adjust as I age?
  • What happens if healthcare costs increase?
  • How do I balance spending today with protecting tomorrow?

Retirement is not a one-time decision,  it’s an ongoing phase that benefits from steady oversight and thoughtful adjustments.

Professionals and Growing Families

If you’re in your peak earning years, your concerns may look different:

  • Am I investing in the right places?
  • How do I balance retirement savings with college planning?
  • Am I being tax-efficient?
  • Should I be doing more than just contributing to my 401(k)?
  • How do I organize everything into one cohesive plan?

At this stage, clarity and coordination often matter just as much as performance.

Business Owners

Business owners face unique financial complexities:

  • How does my business fit into my retirement plan?
  • What’s the most tax-efficient way to structure compensation?
  • Should I establish or modify a retirement plan for my company?
  • How do I prepare for a future sale or succession?
  • How do I coordinate business strategy with personal financial planning?

We help ensure your personal and business financial strategies align, working alongside your CPA and legal advisors when appropriate.

Families Navigating Life Transitions

Major life changes bring financial uncertainty:

  • How do I manage inherited assets responsibly?
  • What financial decisions need immediate attention after losing a spouse?
  • How do I restructure my finances after divorce?
  • How should my investment strategy change after a major life event?

During periods of transition, steady guidance can make a meaningful difference.

Local, Independent
Advice

We are local, independent financial advisors.

This means:

  • We are not required to promote proprietary products
  • We are not tied to a parent company’s investment lineup
  • We’re free to recommend strategies based on what fits your situation

Some national firms operate under corporate investment models or product structures. Our independence allows us to focus entirely on personalized planning and independent guidance.

For many clients, that difference matters.

Holistic & Custom Strategy,
Built Around You

Your financial life doesn’t exist in isolation. Investments, taxes, estate planning, and risk management all connect.

We take a coordinated approach, working alongside your:

  • CPA
  • Estate planning attorney
  • Insurance professionals

We strive to serve as a collaborative partner, helping ensure that each part of your financial picture works together.

We don’t employ generic investment portfolios or one-size-fits-all templates. Instead, we implement thoughtful planning designed around your goals.

Meet Your Asheville Financial Advisors

Michael K. Ashworth, CFP®Managing Director

Michael K. Ashworth, CFP®
Managing Director

With nearly 30 years of experience, Mike founded Ashworth Financial Group to deliver personalized, relationship-centered financial guidance grounded in integrity and long-term stewardship. Mike brings seasoned perspective, CFP® expertise, and independent guidance to the team’s long-term financial planning strategies

Bryson Shook Financial Advisor

Bryson Shook
Financial Advisor

Bryson combines experience in financial strategy and risk management to help clients build coordinated, long-term wealth plans with clarity and structure. A lifelong Asheville area resident, he approaches investment and retirement planning with a disciplined, stewardship-focused mindset rooted in responsibility, community, and durable decision-making.

Frequently Asked Questions

  • Choosing a financial advisor is an important decision, and many families in Asheville want to understand their options.

    As independent financial advisors, we are not required to promote proprietary products or follow a single corporate investment model. That independence allows us to build strategies based on your goals, timeline, and financial situation, rather than a predetermined product lineup.

    Independence offers flexibility and customization and our focus is to provide independent, personalized guidance designed around what serves you best.

  • We act as a fiduciary in advisory accounts. We are committed to acting in our clients’ best interests and providing advice grounded in integrity and transparency.

    Acting in a client's best interest means placing your interests ahead of all others. We believe trust is foundational to every long-term advisory relationship, and we take that responsibility seriously.

    If you have questions about fiduciary standards or how advice is delivered, we are always happy to explain how that applies to your situation.

  • Ashworth Financial Group is a fee-only financial planning Practice.

    That means we are compensated directly by our clients for the advice and services we provide, not through commissions for selling financial products.

    We do not receive compensation from proprietary investment products, insurance contracts, or mutual fund companies. Our compensation structure is designed to align our interests with yours.

    During your initial consultation, we will clearly explain our fee structure and the services included, so you can make an informed decision about moving forward. Transparency is essential to building trust, and we believe you should fully understand how your advisor is paid.

  • We believe investments should support a broader financial plan. While portfolio management is important, we focus on comprehensive wealth management that considers:

    • Income planning
    • Tax-smart strategies
    • Risk management
    • Estate considerations
    • Long-term goal alignment

    Your investments are one piece of the picture. Our goal is to help ensure all parts of your

  • Retirement planning often involves more than managing investments.

    For clients in and around Asheville, we provide guidance that may include:

    • Retirement income strategy
    • Social Security timing considerations
    • Tax-aware withdrawal planning
    • Investment allocation adjustments as retirement approaches
    • Ongoing portfolio oversight throughout retirement

    Our objective is to help you transition from accumulating assets to creating sustainable income with clarity and structure.

  • Yes. In fact, we believe financial planning works best when your advisory team is aligned.

    We regularly collaborate with clients’ CPAs, estate planning attorneys, and other professionals to help ensure that investment strategy, tax planning, and estate considerations are coordinated thoughtfully.

    This collaborative approach can help reduce miscommunication and create a more cohesive long-term plan.

  • Every individual and family has different priorities, but many people consider:

    • Whether the advisor offers personalized planning
    • Transparency around compensation
    • Investment flexibility and independence
    • Experience serving clients in similar life stages
    • Clear communication and ongoing support

    We encourage prospective clients to ask thoughtful questions and choose an advisor they feel comfortable partnering with for the long term.

  • We believe there are several reasons families in the Asheville area choose to work with us:

    • Local roots: as western North Carolina natives, we care deeply for our communities, and bring a unique, local knowledge to our partnership with clients
    • Customized strategies tailored to your goals
    • A collaborative approach alongside your CPA and estate attorney
    • A relationship-focused philosophy built on trust and clarity
    • Independent guidance without corporate product constraints

    Our mission is simple: to help you make confident financial decisions with guidance that feels personal, professional, and aligned with your long-term goals.

All investing involves risk including loss of principal. No strategy assures success

Securities and advisory services offered through LPL Financial, a registered investment advisor. Member FINRA/SIPC

Ready To Take The Next Step?

If you're looking for a financial advisor serving the Asheville area who offers:

  • Local, independent guidance
  • Custom-built Planning
  • Coordinated Support

We invite you to schedule a conversation. We would be honored to speak with you, and learn more about your needs and goals.

Schedule a Call


 

©2023, Ashworth Financial Group. All Rights Reserved.

Financial advice delivered with care,
kindness and empathy.

CONTACT US TODAY
Ashworth Financial Group

We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, our client.

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Contact Us

Location 493 South Trade Street
Tryon, NC 28782

1200 Ridgefield Blvd. Suite 115
Asheville NC 28806

Phone Numbers(800) 859-5537  (office)
(828) 668-5273  (fax)

Emailmike@ashworthfg.com

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