Touchstone Financial Guidance

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Other Link: https://www.cuthbertfinancial.com/contact
Categories: Investment Advisory Service, Annuities & Retirement Insurance Plans, Financial Planners, Financial Planning Consultants, Investment Management, Mutual Funds, Retirement Planning Services

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Phone: (404) 633-6420

Address: 1240 Clairmont Rd, Decatur, GA 30030

Tax Planning
CFG provides in-depth financial advice covering retirement needs analysis, investment recommendations and management, education planning, estate and tax planning, cash flow/budgeting analysis and insurance review.
Estate Taxes
Income Tax

Investment Management
Robo-Advisors - There are quite a few of these choices for people who want a hands-off approach to investment management. They usually put your money in low-cost ETF funds and typically charge a fee of around.25%-.5% of assets invested ($2500 - $5000 annual on a 1M portfolio) to manage and rebalance the funds. If they offer additional financial planning it is generally not comprehensive.
Mutual Funds
Commissioned/Broker-Dealer - These are advisers who generally work with brokerage or insurance houses or the investment arms of large banking institutions. They are paid by commissions on selling products, such as insurance and annuities, and investments, usually in the form of loaded mutual funds or other investment products. The commissions on investment products typically range from 2% - 6% ($20,000-$60,000 on a 1M portfolio) and often decrease the more you invest. The adviser usually does not have a fiduciary responsibility, only what is called a suitability standard for the products sold. In other words, they are legally allowed to place their interests ahead of your own.

Financial Planning
Cuthbert Financial Guidance, Inc. is an independent financial planning and Registered Investment Advisory firm headquartered in Decatur, Georgia since 2004. We believe that financial success begins with having the right tools and information. You’ll find that our education-based approach is accessible and effective.
Retirement Planning
U.S. News and World Report - November 9, 2015 – Helga talks about strategies for preparing for required minimum distributions in 5 Year-End Retirement Planning Tips
Annuities
Asset Management
Fee-Only - These advisers do not accept commissions, loads, or referral fees. They generally have a fiduciary responsibility. Many will charge a percentage-based asset management fee, often with an investable asset minimum.
College Funding

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