Garrett Culwell, CLU®

Associate Partner

I am a financial advisor with North Star Consultants’ Medical Division, based in Franklin, Tennessee. Together with my team, we run an independent practice dedicated to helping specialty physicians and dentists navigate the complexities of financial planning. Our goal is to provide comprehensive strategies that not only grow and protect wealth but also ease the burden of financial decision-making throughout their medical careers.

A major focus of our practice is assisting young physicians in securing long-term disability coverage. Recognizing the unique risks they face, I work closely with clients to tailor disability coverage that safeguards their income during the critical earning years of their careers. By ensuring they’re prepared for the unexpected, we help them build a strong financial foundation for the future.

I’m passionate about working with medical professionals because they embody many of the values I hold dear: a commitment to family, a clear sense of purpose, honesty, and selflessness. My priority is to guide my clients through life’s financial challenges with the goal of achieving long-term financial independence. I believe that accountability and open communication are essential to this process. I often liken my role to that of a “family CFO” or “financial personal trainer,” offering advice and support at every step of the journey.

I typically begin working with physicians during residency or early in their careers. By starting at this pivotal time, I can help them establish strong saving and investing habits that will have a lasting impact on their financial future.

I hold a degree in finance from Baylor University, where I also met my wife. Together, we’re raising three young daughters, which keeps us busy outside of work.

I am FINRA Series 7 and Series 66 registered, as well as Life and Health Licensed and Variable Life and Annuity Licensed.