Many families tend to focus on investment management when they think of getting help with their financial lives, but investments are only one piece of the overall financial planning puzzle. Financial planners realize that the comprehensive approach must go beyond stocks and bonds. Your Homrich Berg financial advisor believes in a comprehensive financial planning approach that links your investment planning strategies with your overall financial plan to achieve your goals. Great investment returns may not matter so much if a poor insurance coverage situation leads to a catastrophic loss for the family. Or families may find they are leaving money on the table by not taking advantage of the best tax planning ideas or charitable giving timing strategies that would deliver real dollars to the bottom line. Ultimately the financial planning landscape is changing often, with new laws being passed or new strategies being developed. Your Homrich Berg financial advisors work hard to stay on top of these changes and trends to then advise you on potential adjustments aligned with your goals as we work together to navigate the life path ahead.

Your Homrich Berg financial advisor is a fiduciary, fee-only planning advisor.  When providing you with financial planning services, your HB financial advisor will focus on your best interests instead of worrying about selling you products.  We believe our fee-only fiduciary approach helps ensure that your financial planning needs are met without the conflicts of a product sale.  Other firms may actually sell insurance or tax services or estate legal services or trust services or other products that ultimately may lead to a conflict of interest that could potentially affect the advice that they give to you as a client.  You will also notice that most of our HB financial planners have various certifications listed after their names If you look at many other financial advisor websites you may notice that some firms have many partners or advisors who do NOT have the CERTIFIED FINANCIAL PLANNER^™ and/or Chartered Financial Analyst certifications. Homrich Berg believes strongly in the value of these two professional certifications and the majority of our client service professionals have or are pursuing one or both of the certifications. We also have advisors who have chosen to go beyond and pursue additional certifications in divorce, ultra high net worth wealth management, charitable planning, estate planning, or other important topics. As a firm founded by CPAs it is not surprising that many of our advisors also happen to be active or former CPAs as well even though they are not preparing tax returns at HB.

As we think about many of the important events in our lives, the connection with comprehensive wealth management is clear.  College planning is often a major personal financial goal for young families.  Retirement planning is often a major personal financial goal for individuals and families at any age.  Investment management is part of financial planning, and proper portfolio management is the fuel that drives other parts of the comprehensive financial plan. Risk management identifies various life events that could hurt your personal financial plan, and then identifies strategies to address those risks.  Estate planning links tax planning, investment management, and legal strategies to target desired future goals for your family wealth.  Tax planning focuses on not only how to potentially reduce your tax bill now, but also how to use smart investment management and financial planning to build a game plan that may be able to reduce future taxes down the road.  Multi-generational planning brings all of the above down to the current and future younger generations, identifying approaches to educate and guide them while planning for their future via various estate, tax, investment, and risk management strategies.