Garrison Financial
Garrison Financial is a privately held, founder-led financial advisory firm based in Scottsdale, Arizona that provides specialized settlement planning services—including structured settlement annuities, attorney fee deferrals, and court-restricted UTMAs—to plaintiff trial lawyers and injury victims across the United States.
- Company typePrivate
- Founded2012
- HeadquartersScottsdale, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Garrison Financial does
Garrison Financial, LLC is a privately held, founder-led financial advisory and settlement planning firm headquartered in Scottsdale, Arizona, with a secondary office in Albuquerque, New Mexico. Founded by Ryan J. Garrison, who has over 20 years of experience in personal injury settlement planning, the firm serves two primary client segments: plaintiff trial lawyers (contingency fee attorneys) and the injury victims they represent, with a secondary referral channel from financial advisors and insurance professionals. The company operates through affiliated entities including Garrison Settlements and the Government Benefit Preservation Group (GBPG), and offers securities and advisory services under the regulatory umbrella of United Planners Financial Services of America (a FINRA/SIPC member).
The firm's product portfolio is anchored by structured settlement annuities (commission-revenue placements with A.M. Best A++ rated life insurance carriers) and extends across ten distinct offerings: court-restricted UTMAs for minors' settlements, attorney fee deferrals, settlement preservation trusts, special needs trusts, qualified settlement funds (QSFs / 468B trusts), Medicare Set-Aside allocations, plaintiff recovery trusts, government benefit preservation, structured installment sales, and comprehensive wealth management. There is no proprietary technology platform; the firm uses third-party financial planning software to assemble what it describes as a "three-bucket" plan combining trust, structured settlement annuity, and investment components. The firm explicitly licenses Ryan Garrison's and Mark Vroman's FINRA Series 7 and 66 registrations through United Planners.
Revenue is generated through three mechanics: (1) transaction commissions on structured settlement annuity placements (paid by the issuing life insurance carrier, with no out-of-pocket expense to clients), (2) recurring AUM-based fees of 1.00% annually on court-restricted UTMA accounts (capped at 1.50% total fees including administrative and strategy fees), and (3) professional services fees on investment management, trusts, and retirement planning. GTM is relationship-driven direct field sales — Ryan Garrison personally travels the country serving clients and publishes his direct mobile number — supplemented by trial lawyer referrals and content marketing via the firm's website, educational videos, and seminars. Notable case work includes settlements ranging from $12M to $70M in medical malpractice, wrongful death, semi-truck accidents, traumatic brain injury, and minors' settlements.
Garrison Financial firmographics
Firmographics- Name
- Garrison Financial
- Legal name
- Garrison Financial, LLC
- Website
- https://g-financial.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Garrison Financial is a privately held, founder-led financial advisory firm based in Scottsdale, Arizona that provides specialized settlement planning services—including structured settlement annuities, attorney fee deferrals, and court-restricted UTMAs—to plaintiff trial lawyers and injury victims across the United States.
- Ownership category
- akta.pro rank
Garrison Financial industry classification
Industry- Product category
- Structured Settlement & Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Structured Settlement Annuities (FSAIACAJ)
Keywords
Where Garrison Financial is headquartered
LocationHeadquarters
- HQ city
- Scottsdale
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Garrison Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations
Revenue model
- Structured Settlement Annuity Commissions: Commission-based revenue from placing structured settlement annuities with life insurance companies. Services are paid by the life insurance company that guarantees future payments, with no out-of-pocket expenses for clients.
- Court Restricted UTMA Management Fees: 1.00% annual fee on Court Restricted UTMA accounts, in addition to administrative and strategy fees charged by the custodian or fund manager. Total fees should not exceed 1.50% annually.
- Securities and Advisory Services: Ryan Garrison is a Registered Representative offering securities and advisory services through United Planners Financial Services of America. The firm provides investment management, trusts, and retirement planning services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Court Restricted UTMA - Market-Based Investment Account for Minors |
| Other | Pay-as-you-go | Structured Settlement Annuities - Tax-Free Guaranteed Payments |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Garrison Financial product offering
Product offeringCore offering
Garrison Financial is a financial advisory and structured settlement planning firm that designs and implements post-settlement financial plans for personal injury victims and the trial lawyers who represent them. Its core offering arranges tax-free structured settlement annuities with highly rated life insurance carriers, Court Restricted UTMAs for minor settlements, Settlement Preservation and Special Needs Trusts, Qualified Settlement Funds, Plaintiff Recovery Trusts, Medicare Set-Aside allocations, government benefit preservation, structured installment sales, attorney fee deferrals, and comprehensive wealth management organized into a three-bucket framework (trust, structured settlement annuity, investments).
Product overview
Garrison Financial is a financial advisory firm specializing in professional settlement planning, offering a comprehensive suite of financial solutions for trial lawyers and injury victims. The core offering centers on Structured Settlement Annuities (tax-free, guaranteed income streams), complemented by Attorney Fee Deferrals, Court Restricted UTMAs, Trusts & Investments, Qualified Settlement Funds (QSFs), Plaintiff Recovery Trust, Medicare Set Asides, Government Benefit Preservation, and Structured Installment Sales. The company operates through related entities including Garrison Financial, LLC, Garrison Settlements, and Government Benefit Preservation Group, all registered with United Planners Financial Services for securities and advisory services. Services are delivered through offices in Arizona and New Mexico, serving clients nationwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Structured Settlement Annuities Guaranteed tax-free income streams placed with top-rated life insurance carriers for injury victims. Payments can be immediate or deferred, for a lifetime or a specified period, structured to meet both immediate and long-term financial needs of the injured party. Service is provided at no out-of-pocket cost to the client; the life insurance carrier pays Garrison through commissions.
- Court Restricted UTMAs Court-approved market-based investment accounts for minors' personal injury settlements. Funds are restricted until the minor reaches the age of majority and are managed under court supervision with a 1.00% standard annual fee.
- Trusts & Investments Wealth management and investment planning services including Settlement Preservation Trusts, Special Needs Trusts, and comprehensive financial plans for injury victims and their families, built on a three-bucket approach combining trust, structured settlement annuity, and investment components.
- Attorney Fee Deferrals Tax deferral solutions exclusively for contingency-fee personal injury attorneys. Includes Deferred Compensation Plans, Fee Structure Plus (FSP), Fixed Annuities, Fixed Index Annuities, and Qualified Settlement Funds that allow legal fees to be moved into future tax years to reduce current-year taxable income.
- Qualified Settlement Funds (QSFs) 468B Trust settlement tool that creates sterile accounts used for lien resolution, allocations, and distributions in mass tort and multiple claimant cases, releasing defendants while giving plaintiffs time for financial planning.
- Plaintiff Recovery Trust Tax strategy solution for plaintiffs in taxable settlements that reduces the tax burden on settlement winnings by structuring payments to minimize taxable income attributable to legal fees.
- Medicare Set Asides (MSAs) Medicare Set-Aside Allocation Reports that consider Medicare's future interests in settlements, required when injured individuals receive Social Security Disability, are Medicare-eligible, or are within 30 months of becoming a Medicare beneficiary.
- Government Benefit Preservation Education and consulting services delivered through the Government Benefit Preservation Group (GBPG) to help settlement recipients maintain Medicaid, SSI, and other needs-based government benefits after receiving their recovery, including special needs trust services.
- Structured Installment Sales Tax deferral strategy for individuals selling businesses or property. Sale proceeds are placed into annuity products to avoid constructive receipt of payment, thereby deferring the immediate tax obligation.
- Wealth Management Comprehensive financial planning and investment management services applying a behavioral investment counseling approach to create personalized plans typically combining trust, structured settlement annuity, and investment components.
Companies that use Garrison Financial
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Garrison Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Garrison Financial partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- United Planners Financial Services of AmericacoreRyan Garrison and Mark Vroman are Registered Representatives offering Securities and Advisory Services through United Planners Financial Services of America, a limited partnership, member FINRA, SIPC. The firm provides the regulatory umbrella and broker-dealer services for their securities and advisory activities.
- JCR SettlementscoreGarrison Settlements offers structured settlement annuities and tax-deferred attorney fee products via their relationship with JCR Settlements, which also offers Medicare Set-Asides.
- Various Life Insurance CompaniescoreGarrison Settlements places structured settlements with some of the most secure life insurance companies in the world, including markets rated up to A.M. Best A++ 15. These partnerships enable the guaranteed, tax-free annuity payments for injury victims.
- Society of Settlement PlannersminorRyan Garrison serves on the Society of Settlement Planners board of directors. Previously sat on the AASC board (inaugural board), NSSTA education board, and Arizona Latino Arts and Cultural Center board.
- Government Benefit Preservation Group (GBPG)coreGBPG was created by Ryan Garrison, Greg Maxwell and Daniel Maxwell to provide education to clients about how to maintain their government benefits (Medicaid, SSI, etc.) after receiving a settlement. Offers special needs trust services.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
Garrison Financial competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Garrison Financial social profiles
Digital presenceGarrison Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Garrison Financial leadership team
Management profileNumber of profiles
Profiles7 records
Garrison Financial subsidiaries and ownership
Company hierarchySubsidiaries2 records
Garrison Financial funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Garrison Financial M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Garrison Financial
What does Garrison Financial do?
Garrison Financial is a financial advisory and structured settlement planning firm that designs and implements post-settlement financial plans for personal injury victims and the trial lawyers who represent them. Its core offering arranges tax-free structured settlement annuities with highly rated life insurance carriers, Court Restricted UTMAs for minor settlements, Settlement Preservation and Special Needs Trusts, Qualified Settlement Funds, Plaintiff Recovery Trusts, Medicare Set-Aside allocations, government benefit preservation, structured installment sales, attorney fee deferrals, and comprehensive wealth management organized into a three-bucket framework (trust, structured settlement annuity, investments).
Is Garrison Financial a public or private company?
Garrison Financial is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Garrison Financial founded?
Garrison Financial was founded in 2012. It employs 1 to 10 people.
Where is Garrison Financial based?
Garrison Financial is headquartered in Scottsdale, United States, in the North America region.
How does Garrison Financial make money?
Three revenue lines are on record. Structured Settlement Annuity Commissions are the primary driver. The others are court Restricted UTMA Management Fees and securities and Advisory Services.
Does Garrison Financial have an API?
No public API is recorded for Garrison Financial.
What industry is Garrison Financial in?
Garrison Financial's product category is Structured Settlement & Financial Advisory Services. Its primary akta.pro industry code is FSAIACAJ, Structured Settlement Annuities. Its NAICS code is 523940 and its SIC code is 6282.