Pat Fair
CFP®
AP Wealth Management
Partner, Financial Advisor
Pat Fair
CFP®
AP Wealth Management
Partner, Financial Advisor
As a fee-only financial advisor, I help you to have perspective about your financial situation and the financial markets. I work hard to help you keep your financial life “between the ditches.” As a fiduciary, I will always work in your best interest. - Pat Fair, CFP®
Collaborative Financial Stewardship with Your Life at the Center

Pat Fair is a fee-only financial planner based in Augusta, GA and serving clients across the United States. He is a partner of AP Wealth Management, an independent registered investment advisory firm that provides comprehensive financial planning through The Lifetime Financial Solution™, investment management, and tax and estate planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Pat is never paid a commission of any kind and has a legal obligation to provide unbiased and trustworthy financial advice.
With 20+ years’ experience and over a decade working with the team at AP Wealth Management, Pat Fair brings a focused vision for investment management and financial planning. Pat serves as a Financial Advisor on the team, and also as the company’s Director of Research, Portfolio Manager and Compliance Officer. Based on his experience and education, Pat’s philosophy focuses on prudent, wise, and strategic actions. He says he is always looking to keep clients “between the ditches” when it comes to investment decisions.
Pat joined AP Wealth Management because he was frustrated by the focus of banks and institutions that prioritize their initiatives and goals rather than what was best for the clients. Being a fiduciary is something Pat is very passionate about and is one of the reasons he became a partner at AP Wealth Management. As a partner at the firm, Pat serves as a fiduciary for the firm’s clients. This means that he will act in the client’s best interests due to the fact that he does not have pressure to serve corporate initiatives.
Pat strives to provide uniquely crafted, personalized financial management solutions that empower clients to attain their financial objectives, build their wealth, and protect their legacy, while embracing the highest standard of excellence.
Pat earned his MBA from Augusta University and his Bachelor of Science in Management from Georgia Institute of Technology.
When he’s not working, Pat enjoys working out with his F3 group, a men’s workout group, in which he is very involved. On most Thursdays, Pat can be found at the Augusta Exchange Club, a group focused on raising funds to support local organizations making a difference in Augusta.
Pat also enjoys spending time with his wife, Kelly, and their four children. With three of their kids now “launched,” he and Kelly now love getting the full family together for an occasional vacation to the beach.
If you are looking for a strong, long-term partnership but lack the time and expertise to create a solid financial plan and manage your own investment portfolio, then you have come to the right place.
It could be that you have already achieved significant success and are looking for a better financial management partner. Perhaps you have recently sold a business and have new assets to invest or you have recently inherited wealth.
Possibly, you are nearing retirement and want to ensure a smooth transition – one filled with all the resources you need to live the life you envision, with the potential to pass down a legacy to the next generation.
Maybe you’re earlier in your career and starting to build for the future. If you are unsure where to begin and could use some professional advice, the good news is at AP Wealth Management, you do not have to be wealthy to begin a relationship with our team. If you expect your investable assets to grow to $1 million or more, we’d like to speak with you and explore the possibilities to help you realize your dreams and goals.
AP Wealth Management provides uniquely crafted, personalized financial management solutions that empower our clients to attain their financial goals, build their wealth, and protect their legacy. We do this through our 3 Core Services:
- Financial Planning
- Investment Management
- Tax & Estate Planning
Our clients have access to The Lifetime Financial Solution™, a comprehensive system designed to guide us as we work together to help you achieve what you want in life.
If you see yourself as a good steward of resources, and want to make the biggest impact with your time, talents and money – in the community, for your family, within civic and church groups, and as a charitable booster and/or cause-supporter – then you’ve come to the right place. AP Wealth is passionate about these more meaningful life pursuits, too.
Having sufficient resources to, ultimately, do what you want to do, go where you want to go, live life without financial worry, and contribute to your heart’s content is what good financial stewardship provides.
Let us put your life at the center of a thoughtful, purposeful plan.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Business Owners and Executives
- Sudden Money Situations
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
- Responsive and Timely Communication
Professional Designations & Affiliations
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Pat Fair is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Pat Fair is a Member of F3
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Pat Fair is a Member of the August Exchange Club
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Pat Fair is a Walton Award Committee Member
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Pat Fair is Featured in the Augusta Chronicle: "A personal touch to finance"
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Pat Fair Contributes Content to WealthManagement.com's Midyear Outlook: "Optimism and Client Morale - Post-Pandemic Trends and Projections"
Contact Pat Fair
Office Locations:
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1100 Frazier Drive
Augusta, GA 30909 -
1201 Main Street
Suite 1980
Columbia, SC 29201