Retirement Financial Advisor in Athens & Watkinsville, GA
Fee-only financial planning for retirees and pre-retirees with $1M+ who want a clear retirement income plan.
We help retirees and pre-retirees with $1M+ invest smarter, reduce taxes, and turn their savings into a reliable retirement income plan.
You're Age 50+ & Saved $1M (or more) in Retirement Savings
But you still have questions...
Should my investments look different now?
Am I actually ready to retire and spend?
How much can I safely spend each year?
How do I avoid paying unnecessary taxes?
What age should I take Social Security?
Is my estate plan coordinated properly?
We help bring the pieces together.
Arch Financial Planning provides comprehensive financial planning, tax planning, and investment management for retirees and pre-retirees who want more than generic investment advice.
We help you coordinate:
Retirement Income
Know where your retirement paycheck will come from and how much you can spend with confidence.
Tax Planning
Evaluate Roth conversions, withdrawal strategies, charitable giving, capital gains, and future RMDs.
Investment Management
Build a portfolio designed around your goals, risk tolerance, income needs, and financial future.
Estate Planning Coordination
Make sure your beneficiaries, accounts, charitable goals, and estate documents are working together.
Many of our clients live in Athens, Watkinsville, Oconee County, Monroe, and the Lake Oconee area.
If that sounds like you, you’re in the right place.
Meet Your Advisor
Cecil Staton, CFP®
Founder & Wealth Advisor
Arch Financial Planning is an independent, employee-owned registered investment adviser led by Certified Financial Planner™ professionals.
We specialize in helping clients:
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Reduce unnecessary taxes
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Align investments with real-world goals
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Build a clear, confident retirement plan
Our fiduciary approach and long-term focus have earned us 100% 5-star reviews on Wealthtender.
Frequently Asked Questions
Do I need $1M to work with Arch Financial Planning?
Most of our retiree and pre-retiree clients have $1M or more in investment assets. That level of savings often creates more opportunities for tax planning, withdrawal strategy, Social Security planning, Roth conversions, and portfolio management.
Are you a fiduciary?
Yes. Arch Financial Planning is a fee-only fiduciary advisory firm. Our advice is designed around our clients’ best interests.
Are you a broker-dealer or member FINRA?
No. Arch Financial Planning is an independent registered investment adviser, not a broker-dealer or member FINRA.
Do you provide tax planning?
Yes. We provide tax planning as part of the financial planning process. We do not prepare tax returns, but we can coordinate with your CPA or tax professional.
Do you provide legal advice?
No. We do not provide legal advice or draft legal documents. We can coordinate with your attorney or legal advisor when estate planning or other legal matters are part of your plan.
Do you manage investments?
Yes. Portfolio management is part of our ongoing advisory services. We build investment strategies around your financial goals, risk tolerance, tax situation, and retirement income needs.
Do I need to live in Athens or Watkinsville?
No. Many of our clients are local to Athens, Watkinsville, and Oconee County, but we also work virtually with clients in other states where permitted.
Our Planning Process
A clearer process for retirement decisions.
1. Start With a Conversation
We learn about your goals, concerns, investment accounts, taxes, and retirement timeline.
2. Build Your Retirement Plan
We create a coordinated strategy for income, investments, taxes, Social Security, Medicare, and estate planning.
3. Implement and Adjust Over Time
We help you take action, monitor the plan, and adjust as your financial life changes.
Not ready to schedule a call? Stay in touch with our newsletter!
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Arch Financial Planning, LLC is an Investment Adviser offering services in Georgia and in other jurisdictions where exempt from registration. All views, expressions, and opinions included in this communication are subject to change.