Financial Planning in Athens, GA

Arch Financial Planning | Fee-Only CFP®

At Arch Financial Planning, we offer comprehensive financial planning services for families, professionals, and business owners locally in Athens, GA virtually nationwide. Whether you’re planning for retirement, navigating tax complexities, or managing your investments, we’re here to help you create a clear path toward financial independence.

As a fee-only financial planning firm, we operate with a fiduciary duty—meaning we’re legally and ethically obligated to act in your best interests. Unlike firms tied to product sales, commission-based models, or broker-dealer platforms, our compensation comes solely from our clients. No hidden fees. No commissions. Just objective, expert guidance.

Your Full Picture, In One Place

We believe real financial planning is more than investment advice—it’s about aligning every part of your financial life with your personal values and goals. Our services include:

✅ Retirement Planning

We help you evaluate your current savings, retirement plans, and income streams—including 401(k)s, IRAs, pensions, and Social Security—to build a sustainable withdrawal strategy. Whether you’re a University of Georgia faculty member or a small business owner, we tailor a plan based on your unique circumstances.

Learn More: Retirement Planning in Athens, GA

✅ Investment Management

Our investment management philosophy is grounded in evidence, not headlines. We design investment portfolios using diversified, low-cost mutual funds and ETFs to reflect your risk tolerance, time horizon, and goals. We focus on:

• Strategic asset allocation
• Portfolio rebalancing
• Tax-efficient investment strategies
• Risk-adjusted returns—not short-term speculation

Learn More: Investment Management in Athens, GA

✅ Tax Planning

Smart tax planning can significantly improve your long-term outcomes. From Roth conversions and tax-loss harvesting to business deductions and asset location strategies, we proactively help you minimize your lifetime tax burden—without providing legal advice, of course.

Learn More: Tax Planning

✅ Cash Flow & Budget Planning

Knowing where your money goes is the foundation of financial success. We provide tools and accountability to help you align your cash flow with your values—whether that means reducing unnecessary expenses or increasing your savings rate.

Learn More: Cash Flow Planning

✅ Education & Student Loan Planning

We assist clients with 529 plan strategies and repayment plans for student loans, especially for high-income earners and healthcare professionals navigating programs like SAVE or PSLF.

Learn More: Student Loan Advice

✅ Insurance Optimization

As a licensed insurance agency, we perform in-depth reviews of your insurance products—from life and disability insurance to umbrella coverage—without ever earning a commission. We help you avoid over-insurance while addressing real risks.

Learn More: Insurance Optimization

✅ Estate Planning Coordination

Working alongside your estate attorney, we ensure your estate planning documents—wills, trusts, powers of attorney—align with your financial goals. This is about protecting your family and preserving your legacy.

✅ Medicare & Social Security Timing

Claiming Social Security at the wrong time or enrolling late in Medicare can cost thousands. We help you navigate the nuances, optimize timing, and make confident, informed decisions.

Why Clients Choose Arch Financial Planning

Clients from Athens and across Georgia choose us because of our:

• Certified Financial Planner™ designation and commitment to the highest standards set by the Financial Planner Board of Standards
• Experience serving a wide range of types of clients—from professors and physicians to business owners and retirees
• Ability to coordinate across all aspects of your financial situation—not just investments
• Alignment with your unique needs, not insurance quotas or investment product sales

Built for the Long Term

We don’t believe in short-term fixes. Our work is ongoing, and our relationships are built to last. We know that succession planning, employee benefits, life transitions, and changes in the financial services industry all impact your plan over time. That’s why we offer a broad range of planning services, ongoing reviews, and responsive guidance whenever you need it.

As a registered investment advisor, we are held to a fiduciary standard at all times.

Take the First Step Toward a Clearer Financial Future

At Arch Financial Planning, we know that navigating your finances can feel overwhelming. That’s why we handle the heavy lifting—bringing together your accounts, goals, documents, and strategies into one coordinated plan.

🛍️ Looking for the best financial advisor in Athens, GA? Start by scheduling a free introductory call. We’ll talk through your priorities and see how we can support your journey to financial freedom and peace of mind.