Who We Are

Michael S. Gutt, J.D., LL.M.

Founder/Senior Consultant

Michael Gutt has been a financial counselor since 1981, when he began his career with The Ayco Corporation in Atlanta. While at Ayco, he provided tax and investment counseling to senior executives of many Fortune 500 Companies. Mr. Gutt left Ayco in 1986 in order to establish his own financial counseling firm, where he has continued to provide customized wealth management to individuals on an ongoing basis. 

An attorney and registered investment adviser, Mr. Gutt graduated from Ithaca College in 1976 with a B.S. in Business Administration and received his J.D. from Emory University Law School in 1980. In addition to his law degree, Mr. Gutt received an Advanced Professional certificate in Taxation from the New York University Graduate School of Business in 1981 and a Master of Laws Degree in Taxation from Emory University Law School in 1985. 

Mr. Gutt and his wife, Pam, have two children and reside in Atlanta.

Susan C. Spratlin

Associate Financial Consultant

Susan Spratlin began her career in 1984 as a Financial Analyst with the Ayco Corporation in Atlanta.  She Subsequently left Ayco in 1988 to join Gutt Financial Management as an Associate Financial Consultant.  Mrs. Spratlin specializes in providing clients with various financial reports, which includes but is not limited to: Income Tax Projections, Retirement Analysis, Estate Analysis, and Investment Performance Reports.  Mrs. Spratlin also focuses much of her time with Individual Income, Estate and Gift Tax return preparation for Gutt Financial Management clients.

Susan graduated from the university of North Carolina at Chapel Hill in 1984 with a B.A. in Economics.  Mrs. Spratlin enjoys spending time with her family, husband Boys and son Robert.

David M. Gutt, J.D.

Staff Attorney

David is an attorney who specializes in financial analysis and investment management.  He earned his law degree at the University of Michigan in 2011, and is a 2008 graduate of Bates College.  Prior to joining the Gutt Financial Management in 2014, David practiced law in New York and Los Angeles.​

An Atlanta native, David is also a proud Lovett Lion.

Sue Downer

Office Aministrator

Sue has provided administrative support and client services for GFM since 2002 after working at New York Telephone and later The NYNEX Corporation.  She is a native of Vermont and lived abroad in Bangkok, Thailand and Jakarta, Indonesia for 6 years.  

Sue and her husband Rick reside in Alpharetta and have 2 grown children.​

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