Garrett Culwell, CLU®

Financial Advisor

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Garrett Culwell, CLU®

Financial Advisor

I am a financial advisor with North Star Consultants’ Medical Division working primarily out of the Franklin, Tennessee location. With the help of my team, we run an independent financial practice in which we work primarily with specialty physicians and dentists. Our focus is on providing a comprehensive financial planning experience to our clients while helping them to grow and protect their wealth. Ultimately our goal is to help alleviate the burden of all the financial decisions our clients will face while going through life as a physician.

I have chosen to work with medical professionals because I believe that they share many of the same values that I hold in high regard: family-oriented, goal-centered, honesty, and selflessness. My priority is to help my clients make wise financial decisions and to guide them through the financial hurdles they will face over a lifetime, ultimately resulting in them becoming financially independent. In order to accomplish this, I believe that accountability and transparent communication between both parties is vital. I like to use the comparison that we are working as our client’s “family CFO” or their “personal trainer for financial planning.”

Typically I will initially connect with a physician’s family while they are in residency or early on in practice. Over the years I have found that by working with physicians when they are beginning their careers I can help them to form the correct savings habits necessary to pursue their financial goals, and thus make a greater impact in their lives as well.

I graduated from Baylor University with a degree in finance and an emphasis in economics. I met my wife at Baylor as well, and together we have three young daughters, and raising them takes up the rest of our spare time.

Garrett is FINRA Series 7 and Series 66 registered, Life and Health Licensed, and Variable Life and Annuity Licensed.


  • Asset Protection Strategies*
  • College Funding Options
  • Physician Specific Disability Insurance
  • Debt Management (student loans, personal loans, credit cards)
  • Life Insurance Strategies
  • Wealth Management
  • Retirement Programs (Solo 401k, SEP, 410k 403b, traditional and roth IRA)
  • Tax-Deferred Investment Strategies*
  • Financial Considerations When Exiting A Practice


Debbie Allen

Practice Coordinator

Jenna Steely

Insurance Specialist

North Star resource team

Chris Sitek, CLTC®, CASL®, CLU®, ChFC®, RHU®, REBC®
Chris Sitek, CLTC®, CASL®, CLU®, ChFC®, RHU®, REBC®

Vice President Life and Long-Term Care

Jeff Landt, CFA, CFP®
Jeff Landt, CFA, CFP®

Senior Vice President and Chief Investment Officer

Max Miller
Max Miller

Disability Insurance Consultant


Connect with Garrett

    Office location

    Franklin, TN

    North Star – Franklin
    99 E Main Street
    Suite 200
    Franklin, TN  37064

    Get Directions

    Garrett is an investment advisor representative of Cetera Advisor Networks, LLC. CA Insurance License #0L45862.