Financial Planning in Alpharetta, GA
Bring cash flow, taxes, education, and estate decisions into one plan.
Fee-Only • Fiduciary • Independent RIA • CFP®, ChFC® • 30+ Years Serving North Atlanta
Is Your Financial Plan Sound?
By most measures things look fine. The income is strong. The 401(k) has been funded for years, and there is money set aside for college. And still there is a question underneath that does not go away: is there anything I'm missing?
That question is what usually prompts the call. Nothing has broken. It is that no one has looked at the picture as a whole and said plainly what it adds up to. Meanwhile the decisions keep arriving, and most of them carry a tax consequence or a deadline that is easy to miss until it has passed.
Knowing whether you are missing something means looking at everything together.
Who We Work With
Our clients are usually executives, business owners, and professionals in their forties through sixties, along with families already drawing on what they built.
Some have a strong income and no clear sense of where it goes. Some are holding equity compensation for the first time and are unsure what a vesting schedule means for their taxes. Others have handled their own finances well for years, until college funding and an out-of-date set of estate documents landed at the same time.
What Financial Planning Covers
Financial planning covers several related areas, and most clients need more than one of them. Explore each below to see how it fits into your overall plan.
Comprehensive Financial Planning
Connecting income, taxes, investments, education funding, and estate decisions into one coordinated plan.
Cash Flow Management
A strong income does not automatically turn into progress. Mapping what comes in, what goes out, and what is available for your goals.
Debt Management
Mortgages, education loans, and business debt compete with saving for the same dollars. Weighing the order you tackle them in.
Executive Compensation Planning
RSUs, options, and deferred comp carry timing and tax decisions a standard plan does not address.
Education Planning
Weighing 529 accounts, cash flow, and aid considerations against your own retirement timeline.
Additional Financial Planning Services
Tax Planning
Tax-Efficient Investing shapes which assets sit in which accounts. Tax Loss Harvesting can offset gains in years the portfolio needs rebalancing anyway, and Tax Return Review reads your filed return for opportunities in the year ahead. We coordinate with your CPA and do not prepare returns.
Estate Planning
Trust and Estate Planning, Legacy Planning, Inheritance Tax Planning, and Charitable Giving Strategies each affect how assets transfer and what your heirs receive. Much of the work here is unglamorous. A beneficiary designation never updated after a divorce, or an account titled in a way that quietly defeats the trust. We work alongside your estate attorney and do not draft legal documents.
Financial Planner for Alpharetta Families
Our office is at 11475 Great Oaks Way, Suite 340, a few minutes from Avalon and close to the Roswell and Johns Creek lines. The Georgia 400 corridor shapes a lot of what we see. Equity compensation is common here, and income often varies year to year. College costs and aging parents tend to arrive in the same decade as peak earnings. We meet clients in person in Alpharetta and by video, and we serve families in Roswell, Johns Creek, Milton, Cumming, and across the country.
What to Expect
1. We Start by Listening
The first conversation costs nothing. You describe your situation and what prompted the call, and we tell you honestly whether we are a suitable fit. Sometimes we are not.
2. We Review Everything
We gather statements, tax returns, benefit summaries, and estate paperwork. Then we read all of it and come back with what we actually see, including the conflicts nobody has flagged before.
3. We Put It in Writing
You get a plan covering cash flow, tax strategy, education funding, and estate coordination, with the reasoning behind each choice.
4. We Keep It Current
We meet on a set schedule, and whenever something changes that warrants a look.
We don't charge by the service or take commissions on products we recommend. As a fee-only firm, we charge an all-inclusive percentage of assets under management, generally 0.75%–1.25% annually, so our only incentive is doing right by your plan. We'll walk you through exactly what that means for your situation before you commit to anything.
You Work With Marc
Marc Daner has run this practice since 1993. He is the person in your first meeting and the person in your review meeting a decade from now. He holds the CFP® and ChFC® designations and has advised families through several full market cycles.
In planning work that continuity does real work. A plan is a set of decisions that depend on each other, and knowing why a decision was made six years ago is what keeps the next one from undoing it.
Frequently Asked Questions
It is usually an accumulation rather than one large mistake. A contribution rate set years ago, company stock nobody rebalanced, a beneficiary form left over from a previous marriage, and an estate document that no longer matches the family. We wrote about the most common financial errors high earners make.
In practice the titles overlap, and neither one tells you how the person is paid or whether they are held to a fiduciary standard. Those are the two questions worth asking anyone you are considering. Our guide to choosing a fee-only financial advisor in Alpharetta covers what to ask.
It is common and usually workable. A lot of the value in planning comes from getting both people looking at the same set of numbers, which tends to narrow the disagreement on its own. More on that in can a financial advisor facilitate a happy marriage.
