About Us
The Short Version
Relativity Capital Advisors is a fee-only, fiduciary Registered Investment Advisor based in Greensboro, Georgia, serving families in the Lake Oconee area and beyond. Founded in 2016 by Tommy and Jennifer Lackey, we manage discretionary portfolios custodied at Charles Schwab with a focus on active sector rotation and trend-following using ETFs.
Unlike the majority of advisory firms that treat the portfolio as an afterthought and focus on financial planning, we put investment management first. We watch markets every day. We make data-driven decisions about where to be invested. And we actively position clients in the strongest areas of the economy while managing risk when conditions change.
We’re independent, we’re local, and we answer to our clients — not a home office, a compliance department, or a product quota.
The Trust Arc — How We Got Here
Three Decades of Deliberate Choices
Tommy’s career in financial services started in 1994. Over three decades, he made a series of deliberate choices — each one moving further from the industry’s broken incentive structure and closer to what he believed was right for clients:
1994 — Commission-based advisory. The industry default. Tommy started at a small firm selling mutual funds on commission. He learned quickly that the system was designed to reward selling, not serving.
1999 — Fee-based advisory. Tommy co-founded Barber Lackey Financial Group with family. The move to fee-based advice was a step in the right direction, but still came with conflicts.
2007 — Dropped all FINRA licenses. This is the decision most advisors would never make. Tommy walked away from the commission world permanently — giving up the ability to sell insurance products, annuities, or any commission-based investment. From this point forward, every dollar of revenue came from a transparent, agreed-upon advisory fee.
2016 — Founded Relativity Capital Advisors. Tommy and Jennifer started their own firm to build the practice they always wanted — pure fee-only, fiduciary, investment-management-first. No institutional constraints. No product mandates. Just daily attention to the portfolios that families trust them with.
Every step in this arc was a choice to earn less money in exchange for more alignment with clients. Most advisors in the industry moved in the opposite direction.
Why We Live Here
Tommy and Jennifer chose Greensboro and the Lake Oconee community for the same reasons many of our clients did — to raise a family in a place that values substance over speed, and to build something meaningful in a community they believe in.
We’re not a satellite office or a branch. We live here. Tommy’s at shotgun practice with his sons on weekends. Jennifer keeps the business running and the client experience smooth while Tommy is deep in the markets. When you call, you’re talking to one of us — and Tommy returns every call within 24 hours.
Services Designed For Client's needs
Relativity Capital was built specifically for those with a high net worth that warrants a greater level of service and attention. You can expect a higher sense of responsibility and more opportunity when you work with us, and we are here to guide you through whatever life’s journey may bring.
Investment Management
Wealth Planning & Distribution
Expert Financial Guide
Goal Specific Planning
What We Believe
Investments come first. The industry shifted toward managing the client rather than managing the investments decades ago. We believe the opposite — if your investments aren’t being actively managed, it’s harder to reach any goal you set.
The market doesn’t know who you are. Markets move without regard for your timeline, your goals, or your feelings. The only appropriate response is to pay attention, follow the data, and adjust. That’s what we do. Every day.
Active management is a responsibility, not a luxury. If you’re being paid to manage someone’s money, you should actually manage it. Not quarterly. Not annually. Daily.
Small by design. We keep our client base concentrated on purpose. Tommy handles every relationship and every portfolio personally. We’d rather build right than build fast.