Arthur  Aust

Arthur Aust

| CFP®, AIF®

Aust Financial Advisory, LLC

(404) 285-9982

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Fee Only Financial Planner Located in Atlanta, GA and Serving Clients Nationwide

Specialties

  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting

Website

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3450 Miller Drive
Chamblee, GA 30341

Fee-Only & Fiduciary


The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Arthur Aust is an Atlanta GA Fee-Only Financial Planner located in Chamblee and serving all surrounding areas. Aust Financial Advisory, LLC specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Arthur Aust is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Arthur Otis Aust, CFP®, is the founder of Aust Financial Advisory (AFA) LLC, an independent, fee-only (non-commission) Registered Investment Advisory firm in the State of Georgia. AFA offers comprehensive financial planning services and receives all of its compensation directly from our clients. Our focus is on providing comprehensive financial planning as a fiduciary, meaning we put the interest of our clients above any other interest including our own. AFA provides Financial Planning and Investment Management for clients in North America.

Arthur Otis Aust, CFP®, is the founder of Aust Financial Advisory (AFA) LLC, an independent, fee-only (non-commission) Registered Investment Advisory firm in the State of Georgia. AFA offers comprehensive financial planning services and receives all of its compensation directly from our clients. Our focus is on providing comprehensive financial planning as a fiduciary, meaning we put the interest of our clients above any other interest including our own. AFA provides Financial Planning and Investment Management for clients in North America.

CERTIFIED FINANCIAL PLANNER™ - Member of the National Association of Personal Financial Planners (NAPFA)

AFA is a member of the National Association of Personal Financial Planners (NAPFA) which requires all of its members to have passed the CFP® examination and be on track to complete the experience requirement to become a CFP® within 5 years. NAPFA also requires all members to have a fee-only policy for billing their clients. This means that 100% of our compensation comes directly from our clients. We cannot and do not receive any product commissions, revenue sharing kickbacks, referral fees, or any other form of compensation other than fees we collect from our clients.

NAPFA also requires members to sign their Fiduciary Oath and Code of Ethics. We are bound contractually to work for our clients as a fiduciary, meaning only in their best interest. We serve one master, our client, and do not have the conflict of interest that other Financial Advisors who sell products have. Our interest is completely aligned with our client’s financial well-being.

As a comprehensive financial planning firm, we have the knowledge and training to analyze and make recommendations in all of the major areas of financial planning which include:

  1. Goal Setting and Planning
  2. Cash Management
  3. Assets and Debts
  4. Employee Benefits
  5. Educational Planning
  6. Retirement Planning
  7. Investments
  8. Tax Planning
  9. Risk Management –Insurance
  10. Estate Planning

All of these areas are interrelated and affect each other. Recommendations in each area are dependent on situational information in other areas. For instance, how can a Stockbroker or Financial Advisor make effective investment recommendations without knowing your family’s financial goals and current situation in the areas of education, retirement, tax, cash flow and debt situation? In what timeframe will cash be needed to actualize these goals? What are other extraordinary planned expenses/purchases which will require cash (daughter’s wedding, other planned expenses for children, etc.)? All of these goals, expenses and their timeframes will have a dramatic impact on the Investment strategy?

We provide an objective, professional viewpoint to our clients’ based on their unique financial goals and situation for an, annual retainer, or a flat fee for a defined project.

Aust Financial Advisory does not sell financial products, nor accept commissions or referral fees, from mutual fund companies, insurance companies, brokerage firms or any third party. Thus, you can be confident that you will receive professional, objective advice that will be exclusively in your best interest.

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Aust Financial Advisory LLC (AFA) is a financial planning firm and Registered Investment Adviser located in Atlanta Georgia. Arthur Otis Aust is the founder of AFA and provides or is involved in all financial planning, investment management and advice for the firm’s clients.

AFA offers comprehensive financial advice which include the following areas cash flow, assets and debts, investments, insurance/ annuities, education funding, employee benefits, taxation, retirement and estate planning.

Common Good Values

AFA’s financial practice is motivated by a desire to make excellent financial advice available to all people who have enough income, net worth and assets to get a reasonable return on advice given by a Certified Financial Planner®. We are committed to giving our clients a hard dollar as well as a soft dollar return on the fees they pay us to perform their financial planning. This is not a guarantee, but indicates our desire to focus our client relationships on value provided and received. Hard dollar returns can come in many different areas; a reduction in fees/commissions from your current broker, lower portfolio volatility- more consistent returns, lower taxes paid from proactive tax planning or a timely Roth conversion, lower insurance premiums, better expense management, and many, many other value producing planning techniques in all areas of personal finance.  If you like the predatory business practices of and fees charged by large Wall Street Banks and brokerage houses, we are probably not a good fit as your Financial Planning Firm.

Fiduciary

We are compelled by law and contract to work only in the best interest of our clients. Fiduciary literally means to serve only one Master, their client. A fiduciary has the duty, grounded in law, of loyalty, exclusive benefit and competence (due care). We also have the duty to disclose all conflicts of interest as well as our compensation in detail. We have signed the National Association of Personal Financial Planners (NAPFA) fiduciary oath as well as their code of ethics. We always keep all information that we hear and receive from our clients completely confidential. Below is AFA’s confidentiality policy.

Fee-Only

We are paid only from the fees that we receive from my clients. We do not sell products and receive no commissions, referral fees, and monies from revenue sharing or any other opaque means of compensation from third parties. As a fiduciary, AFA is required to truthfully disclose all sources and amounts of revenue we receive as a result working with you. Like a lawyer doctor or dentist we get paid directly from you from the fees that we charge. Our fees are based on the time required to perform the analysis, research, develop recommendations and deliver the advice.

Objective

Since we do not sell products and therefore do not carry a sales quota and are fiduciaries, you can be assured that all of our communications, both written and verbal, are professional, unbiased financial advice. Our communication is straightforward and truthful and is never sales speak, biased or tainted by commission rates or “sales spiffs” as are the suggestions provided by product providers such as brokerage firms, insurance companies, and mutual fund providers.

Competent

NAPFA and the CFP Board hold the highest bars for competency and excellence in the financial planning industry. Their criteria are much higher than the legal standards one must meet to be a registered investment advisory. We are a member of NAPFA and have fulfilled all of the requirements to be a Certified Financial Planner ™, CFP®, except the 3 year experience requirement, which will be completed in March 2013.

  • NAPFA and CFP Requirements- See below

Client Executed

You execute my recommendations on your own, easily and accurately (with our help). You do not delegate trading authority, power of attorney, or fee debit privileges to me. You are in control of your assets. We are your advisor, coach or mentor. A good analogy is; you are the CEO of your life and we work as your CFO.

NAPFA-Registered Advisor 

  • CERTIFIED FINANCIAL PLANNER™
  • Submit a comprehensive financial plan for peer review
  • Complete 3 years of comprehensive financial planning experience
  • Provides comprehensive financial planning services
  • Fee-only compensation
  • Abide by NAPFA’s Code of Ethics
  • Complete 60 hours of continuing education credits, with specific
  • requirements for 6 core competency areas (per 2 year cycle)

Focus On Fiduciary

Certified Financial Planner™ 

  • Pass a 5 course educational program to be eligible to sit for the CFP® exam
  • Pass a 2 day exam, which has a pass rate of ~57%
  • Complete 3 years of financial planning experience
  • Abide by the CFP Board’s Code of Ethics
  • Complete 30 hours of continuing education credits (per 2 year cycle)
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