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Atlanta Financial Planners

Atlanta financial planners are professionals who specialize in the various aspects of money and money management. They are different from Atlanta stock brokers who stick mainly to investment and matters dealing with investments as well as being different from an intermediary for a life insurance company whose primary job is to give advice on different risk products.

There are many different types of planners in Atlanta; some of these will be discussed in this article. If you are looking for Atlanta financial planners, knowing what type of planner you need is the first step.

Types of Financial Planners

Holistic or comprehensive financial planners provide complete solutions for their Georgia clients by looking at their whole financial picture and any concerns that they might have. Usually comprehensive Atlanta financial planners talk with a family to find out their goals in regard to taxes, Georgia estate planning, college needs, retirement, insurance requirements and debt management. By looking at the whole picture, comprehensive financial people in Atlanta are able to design a strategy that will accomplish these goals over time.

Atlanta insurance planners specialize in helping their clients plan their insurance needs and helping the client understand the role insurance can play in their lives. How much health, disability, accident and death insurance you have can play a big part of your future. If you are not carrying enough insurance and a major catastrophe happens, you could be financially devastated. If you are carrying too much insurance you are paying extra money toward premiums that could be being put to a much better use.

Atlanta financial planners who specialize in retirement issues are called estate or retirement planners. Retirement planners not only help you plan how to finance your retirement, but also help you with the decisions about what you leave for family. This person will help you with your will, any living trusts, powers of attorney and heirs.

Tax advisors help you understand any tax implications of monetary decisions in Georgia. They will also assist you in optimizing your present and future tax situation. A tax planner does not prepare your taxes; they help you minimize any tax liabilities that you encounter.

An investment planner in the Atlanta area will help you keep track of your investments and analyze how they are doing considering the goals that you have. Atlanta financial planners can help you with things such as mutual funds, bonds and or stocks.

Making Sense of Certifications

There are many different certifications and designations used by different types of Atlanta financial planners. Although this alphabet soup of acronyms can be confusing to wade through, it does help you chose the right planner for your personal needs.

CPA's are accountants who have undergone extensive licensing requirements to be obtain the title of certified public accounts. In the state of Georgia, CPA's can be used for tax issues. CPA's can take their education a step further and be licensed as a personal money specialist or a PFS.

Atlanta financial planners who carry the CFP designation, have undergone rigorous education and licensing requirements and can advise you on a wide range of financial matters. In GA they are subject to a strict code of ethics and must pass three exams before they can practice. ChFC's, are usually insurance consultants who have specialized in a type of financial planning and meet extra educational requirements in investments and economics.

These are just a few of the more common designations for Atlanta financial planners. There are over fifty different types of designations nationwide and some people may even hold multiple certifications or none. While it can be difficult to decide what certification you want your planner to have, choosing the right one for you will make all of the difference in the world for your finances and your future.

Narrowing Your Choices

Once you have decided that you need a planner for your finances, interview several to find the right person for the job. In this very important part of your life, you need to find someone with whom you can develop a rapport, someone who can explain things to your satisfaction and, perhaps most importantly, someone you can trust explicitly.

Usually the first interviews with any Atlanta financial planners will be done at no cost to you but while in the first interview ask the GA planner how they get paid. Three of the most common methods of payment in Atlanta are; commissions, flat fees and a fee based on assets. Discuss with the Atlanta planner the different methods of payment and any consequences it could have on your future finances. Remember, this is your life and your finances that are on the line. Don't be talked into anything that you aren't comfortable with.

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