Managing Every Aspect Of Your Financial Life

Our goal is to help you Protect, Grow, and Manage your wealth in a way that gives you more time to relax and enjoy your life with peace of mind knowing that you have an expert team helping you navigate the road ahead.

We believe in the importance of starting with financial planning. This planning may incorporate lifetime wealth forecast analysis, investment planning, tax planning, risk management, and estate planning elements. We combine this information into an overall interactive wealth forecast that can then be used to test different investment approaches initially, and will also be updated over time as your situation and the investment environment changes.

Client Experience leader icon

Protect

Protecting your wealth involves insurance planning and estate planning.

Our Services financial-planning

Financial Planning is a phrase that covers a wide range of services that HB provides to our clients. Ultimately it means that any financial question you have big or small is a question that we will help your family answer, such as:

  • How much money do I need to retire?
  • How much risk do I need to take to potentially reach my goals?
  • How do I maximize my income and minimize my taxes?
  • How do I figure out how to pass wealth down to future generations?

It is important to remember that success and real wealth is not always defined by maximizing your investment returns. Your family financial plan involves complex choices related to risk comfort, time horizons, liquidity needs, tax implications, generational transfer desires, cash flow needs, and philanthropy goals. Homrich Berg works with you to construct the financial plan personalized to fit your goals and needs.

Why is Financial Planning So Important?

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.

Why Should I Use A Fiduciary Fee-Only Advisor For Financial Planning?

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.

How Does Financial Planning Address My Important Life Questions?

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.

Our Financial Planning Services

Homrich Berg financial advisors help clients in Atlanta and across the country with a wide range of financial planning topics.  These services may include:

  • Investment Management
  • Estate Planning
  • Tax Planning
  • Retirement Planning
  • Education Planning
  • Charitable Planning
  • Insurance Planning
  • Wealth Forecasts
  • Multi-Generational Planning

Please Note: The scope of any financial planning and consulting services depends upon the terms of the engagement and the specific requests and needs of the client. HB does not serve as a law firm, certified public accounting firm, nor an insurance agency. HB does not prepare legal documents or tax returns, nor does it sell insurance products. The achievement of any designation, professional degree, license, or certification, should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if HB is engaged, or continues to be engaged, to provide investment advisory services.