Fee-Only Wealth Advisors
CFP® Professional | Est. 1996
Working Together For Your Future: (770) 627-2121
Diverse Array of Expert
Financial Services
- Comprehensive Financial Planning: Crafting holistic strategies tailored to your needs, we address everything from retirement and investment planning to insurance and estate considerations.
- Fee-Only Financial Advisor Services: Integrity is at our core. With our fee-only services, you're guaranteed unbiased advice without the worry of hidden commissions or charges.
- Retirement Planning: A fulfilling retirement is everyone's dream. Our dedicated experts utilize advanced tools and methodologies to craft a retirement plan, ensuring your later years are both comfortable and secure.
- Investment Management: Drawing from global best practices, we build an investment strategy that not only seeks to grow your assets but is also aligned with your risk appetite.
- Estate Planning:
Leaving a legacy involves more than just a will. We offer comprehensive estate planning to ensure your wishes are executed seamlessly.
4-Step Path to Financial Peace For Cumming Residents
- Analyze and Evaluate: Share your financial aspirations and concerns. Let's understand where you are today.
- Present Recommendations: Based on our analysis, we'll craft a financial plan tailored to your goals.
- Implement Strategies: Together, we’ll implement the strategies from Step 2.
- Monitor Progress: We’ll keep track of your progress and recalibrate as your life evolves.
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How Our Fiduciary Standard Protects You
Not all financial advisors are alike. Though the term personal financial advisor is broadly used, you might be surprised to learn that there are many different types of advisors, and even more surprised to learn they aren’t all created equal.
For example, you may think that all advisors are legally required to always act in their clients’ best interests. Not only is this inaccurate, but it can also be detrimental to investors who unwittingly expose themselves to biased and potentially costly advice from advisors who put their own interests before investors. Only financial advisors who are fiduciaries are legally required to act in the best interests of their clients.
At Financial Consultants Group, we’re held to a fiduciary standard, meaning that we are committed to placing our clients’ interests ahead of our own. We act as the guardian of your investment future by helping you build, grow, protect, and in some cases transfer wealth for your investment portfolio and seek to achieve your individual goals and dreams.
A “fiduciary” who manages an investor’s assets has a legal and ethical obligation to put the investor’s interests first. That means helping the investor make decisions in his or her best interests. This fiduciary standard has always been at the core of our firm’s mission to our clients.
Here’s how we protect you and your investments:
- We always put your needs first. We are committed to the highest professional and personal standards, and this commitment remains as strong as ever. Our sole focus is on your financial needs and goals and how we can best help you pursue them.
- We always act in your best interests. We are committed to putting your needs and goals before those of our firm. We strive to avoid any conflicts of interest, and if they arise and are unavoidable, we disclose these to you immediately. We provide a high level of transparency around any fees or expenses associated with your accounts, so that you always know what you own and what you’re paying for it, so there are never any surprises.
- We are an independent and objective resource. As an independent firm, we provide you with objective, unbiased advice based solely on your needs and goals. We provide guidance that is truly objective, unencumbered by any potential conflicts of interest. We have no vested interest in promoting a particular product or service. Our only interest is that your financial objectives are met.
Understanding the fiduciary standard
In financial services, there have traditionally been two types of standards: the suitability standard and the fiduciary standard.
The suitability standard is defined as determining whether an investment product or strategy is “suitable” for the investor based on his or her financial objectives and risk comfort level. Many advisors operate under the suitability standard where the advisor simply determines whether a recommended product or strategy is suitable for the client.
The fiduciary standard is a higher level of responsibility for the advisor. The fiduciary standard goes beyond suitability and requires that any advice on products and strategies be provided in the best interests of the investor. The fiduciary standard of care requires that the advisor take into consideration whether the fees are reasonable, whether there are any conflicts of interest, and whether the investments are adequately diversified.
Our commitment to you
As your advisor, we adhere to the fiduciary standard, and we believe this model of disclosure and transparency is in your best interests. In our view, you deserve to have your needs put first and the strategies and investment products we recommend should align according to those needs.
Our fiduciary standard mandates that every single recommendation we make must be based on your best interests, and there is no circumstance when we can place our interests above yours. By adhering to the fiduciary standard, we believe we can provide you with the highest standard of care for all your investment and retirement needs.
Our Pledge to the Fiduciary Standard
- Always put your best interests first.
- Act with prudence, providing you with the skill, diligence and good judgment of a trusted advisor.
- Provide full and fair disclosure of all important facts.
- Ensure all investment advice and analysis is accurate and complete.
- Avoid conflicts of interest and fairly manage, in the clients’ favor, any unavoidable conflicts of interest.
Safeguarding your financial dreams
When it comes to managing your money, your financial relationships should be built on a foundation of trust, integrity and transparency. Not all firms and advisors adhere to the same legal and regulatory standards.
We remain committed to earning and maintaining your trust through expert advice and effective strategies custom tailored to your unique needs. We define our success by seeing you succeed in achieving your financial goals. And our focus remains on serving your interests first and foremost.
A Local Touch for Cumming, Georgia's Residents
Tucked away in the ever-growing Forsyth County, Cumming, GA embodies a mix of fascinating history and the vibrant energy of the Atlanta metropolitan area. Being the only incorporated area in Forsyth County, Cumming holds a special spot as the county seat, adding a touch of governance and administration to its one-of-a-kind character.
Apart from its administrative significance, Cumming is filled with recreational and cultural charm. Nature lovers can find solace in The Big Creek Greenway, a captivating trail that spans over 11 miles. This Greenway isn't just a pathway, but a sanctuary for those who seek solitude or enjoy activities like jogging, biking, or inline skating.
If modernity beckons, areas like Halcyon or The Collection at Forsyth are a testament to Cumming's evolution into a retail powerhouse. These areas offer a mix of boutique stores, eateries, and entertainment options, ensuring that there's something for every shopping aficionado.
Cumming, GA, epitomizes the graceful evolution of places that cherish their past while eagerly embracing the future. For both the team at Financial Consultants Group and all who visit, the city represents more than just coordinates on a map. It’s where tradition, modern life, and the natural world intersect, weaving a diverse array of experiences.
Most importantly, this place is home to us.
Being so firmly rooted in Cumming gifts us with an innate understanding of the local intricacies that could influence your financial trajectories. This includes knowledge of the regional economy, awareness of community-driven endeavors, and a genuine connection to the lifestyles of those who live here. All of these elements are integral to our comprehensive planning strategies.
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“Financial Consultants Group, Inc. is a Registered Investment Adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein.”
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Contact Information
Phone: (770) 627-2121
Email: Sandee@ForYourFuture.net
1080 Sanders Road, Suite 300 Cumming, GA 300041
12600 Deerfield Pkwy, Suite 100 Alpharetta, GA 30004
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