Investment Planning

Investment Planning

Work with a Team that Redefines Wealth Management

Ask ten investors to define wealth management. Then, ask ten “wealth managers” to do the same. You will almost certainly get 20 different answers, with most heavily focused on investing.

As a client of Atlanta Financial, however, you benefit from a cutting-edge team that has a clear and comprehensive vision of wealth management. In order to “Make Life’s Journey Richer,” we must cultivate those riches.

We define wealth management as a formula where:

Wealth Management Formula

Investment Consulting is the astute management of your investments over time to help you achieve your financial goals.

Advanced Planning goes beyond investments to look at all the other aspects that are important to your financial life. We break it down into four parts: wealth building, retirement income & distribution planning, tax reduction planning and legacy planning. In our experience, very few financial advisors offer all of these services.

The final element is Relationship Management. As wealth managers, we focus on building relationships with three groups:

  1. Our Clients: To meet their needs effectively, we have to have solid, trusting relationships with them.
  2. A Network of Financial Professionals: Essentially these are specialists that we can call in to make recommendations on specific advanced planning needs.
  3. Our Clients’ Other Professional Advisors: We work with our clients’ attorneys, accountants and business or personal advisors.

Atlanta Financial’s Total Wealth Management Approach
When we bring all of the pieces together, each client gets an individualized approach that looks something like this:

Wealth Management Approach

To receive a complimentary second opinion on your finances and learn about the impact wealth management can have for you and your family, simply Request a Second Opinion or contact us at marketing@atlantafinancial.com or 770.261.5380.

Wealth Building

Development of an overall investment plan for you is based on financial analysis that encompasses the following factors:

  • Assessment of your tolerance for investment risk
  • Development of a meaningful, realistic investment objective
  • Determination of appropriate investment time horizons
  • Identification of available resources
  • Analysis of existing investment assets
  • Development of a portfolio rate-of-return objective

Our financial analysis provides the basis for the allocation of investment assets.

Solutions that work for the life you envision

Our asset management program offers a comprehensive array of products and services, including:

  • Purpose-driven asset allocation models
  • Portfolio structure
  • Securities selection
  • Portfolio monitoring with continuous needs-based examinations

Asset allocation models

Your asset allocation strategy will closely reflect the core aspects of the plan we recommend. We’ll apply asset allocation models as a means of distributing your assets among a range of investment categories to reduce your overall risk, to forecast more reliably, and to improve the risk/return tradeoff within your portfolio. As independent financial advisors, we enjoy the freedom to recommend investment products that we believe to be “best in class.”

Discipline

Our years of experience will help you maintain the discipline required to stay the course and make your financial plan a success. We can help with the difficult decisions, guiding you in the right direction and always keeping your primary objectives in mind. Our expertise helps guard against short-term swings of emotion by keeping the focus firmly on your long-term goals.

As a group, we believe in applying the core values of prudent financial management. When paired with your own clearly defined investment objectives, it’s a combination that can help you approach your financial future with a higher degree of confidence and understanding.

Recent News

9 Year-End Tax Tips

9 Year-End Tax Tips

This year marks our second year living with the sweeping tax law changes passed at the end of 2017, known as the Tax Cuts and Jobs Act.  How did you fare under the new tax law, or do you know?

Many tax payers had pleasant surprises when they filed their 2018 returns, with smaller tax bills and/or larger refunds than usual.  But some tax payers felt like they didn’t benefit from the tax cuts at all.  As we met with clients in 2019, we found that for some of those clients the total tax paid was in fact higher, but due to higher income levels (from a strong economy and stock market), while tax rates actually did decline from pre-2018 levels. Unfortunately, for a significant minority of our clients, both rates and taxes paid were higher due to limitations on mortgage interest deductions, the elimination of personal exemptions and the cap on state and local tax deductions (the so called “SALT” deductions). 

Regardless of which camp you found yourself in after filing your 2018 taxes, there is still time to minimize what you will owe for 2019 with smart planning.  We have listed 9 tips to consider between now and year-end.

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Billfolds and Babies

Billfolds and Babies

A baby changes the game in so many ways. I think back to the first time I heard my little boy say “peeeez, Daddy.” I would have handed that little guy nearly anything he wanted with little remorse just because of how cute it was. It makes me think about how as parents, we naturally want to not just meet, but exceed the wants and needs of our children; however, accomplishing that can be quite a challenge. With so much time focused on getting ready mentally, spiritually, and physically for a new baby, it is also fact that soon-to-be parents can especially end up feeling a bit unprepared financially because it is so tough to judge how expensive life as a growing family will be.

Knowing personally and professionally that the fiscal changes associated with parenthood are a gracious plenty, I’ve laid out a few things below that will hopefully make the experience of welcoming a new baby less of a learn-on-the-fly education.

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4 Estate Planning Tips When You Have Young Children

4 Estate Planning Tips When You Have Young Children

1. Write a Will
For most young parents, writing a will is less about distributing assets and more about naming a guardian for their children. The guardian named in your Will is the person that would take care of your children if you and the other parent were unable to do so. This situation is very unlikely, but worth addressing just in case.

If your children ever needed a guardian, the local Probate Court would appoint the person designated in your Will, absent a serious problem with that person. You can name different guardians for different children if you wish. If you do not have a Will with a Guardianship Designation, or if you haven’t made your wishes in the Will clear, the Probate Court would have to select a guardian for your children without any guidance from you. The most common choice is a family member. But what if you really wouldn’t want a certain family member to raise your children? Or what if you preferred that a close friend step in as guardian? The Court would have no way of knowing your wishes.

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How Much Will Your Social Security Increase in 2020?

You may have heard that the Social Security Administration officially announced that Social Security recipients will receive a 1.6% cost-of-living (COLA) adjustment for 2020. Those increased payments will start in January 2020.  The purpose of the COLA is to help the purchasing power of Social Security benefits keep pace with inflation.  Congress first enacted the COLA provision as part of the 1972 Social Security Amendments, with automatic annual COLAs began in 1975.  Before that, benefits were increased only when Congress enacted special legislation. 

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