Helga S. Cuthbert

Helga S. Cuthbert

| CFP®

Cuthbert Financial Guidance

(404) 633-6420

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Your Path to a Brighter Financial Future


  • Retirement Planning
  • Investment Advice
  • Tax Planning
  • Estate Planning
  • Education Funding
  • Employee Benefits
  • Collaborative Goal Discovery
  • Insurance Needs
  • 401(k) and IRAs
  • Life Planning
  • Cash Flow/Expense
  • Retirement Withdrawal Strategies


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836 Sycamore Street
Decatur, GA 30030

Fee-Only & Fiduciary

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

Cuthbert Financial Guidance, Inc. is an independent financial planning and Registered Investment Advisory firm headquartered in Decatur, Georgia since 2004. CFG provides in-depth financial planning covering retirement needs analysis, investment recommendation, education planning, estate and tax planning, cash flow/budgeting analysis and insurance review.

We believe that in order to effectively advise on the more technical details of financial planning, it is essential to work together to discover the goalsvalues, and ultimate purpose your money supports. Wherever you are on your journey, we will meet you there and help you navigate your financial life with intention, clarity, and confidence.

Helga Cuthbert is founder and Principal of Cuthbert Financial Guidance (CFG) a Fee-Only financial planning and Registered Investment Advisory firm. Located in Decatur, Georgia, Cuthbert Financial Guidance provides professional financial planning and investment advice. CFG is committed to helping clients bring clarity to their life purpose and financial well-being.  “I am passionate about helping individuals and families discover their life goals and aligning them with their money,” says Helga. “I want to be their trusted guide and will work hard to earn their respect.”

Helga has a B.S. in Business Administration and her Masters in Public Policy and Administration.  Before founding CFG, she was a Vice President and Trust Officer for SunTrust Bank, where she aided affluent individuals and families with their daily financial needs as well as providing retirement and estate planning techniques.

In September 1999, she completed the 18 month long Financial Planning Certificate Program with Oglethorpe University in preparation for taking the CFP® Certification Examination. She passed this rigorous, comprehensive two-day, 10-hour exam in November 1999. Having met the education, examination, experience and ethics requirements set forth by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc., Helga received authorization to use the CFP® marks of distinction in July 2001.

Helga is one of a very small number of advisors who have earned the Registered Life Planner® certification from the Kinder Institute.  The institute is an international organization focusing on the most meaningful goals of a person’s life.  Life Planning is a life-centered approach to Financial Planning and provides a supportive financial framework for living the most meaningful and rewarding life you can imagine.

Helga taught the Retirement Planning module of the CFP® program at Oglethorpe University in 2001 and 2002 to CFP®  candidates. She is a member of The National Association of Personal Financial Advisors (NAPFA), the Financial Planning Association, the internationally recognized organization for financial services professionals dedicated to championing the financial planning process, and The Garrett Planning Network, Inc., a network of Fee-Only advisors .

Helga founded Cuthbert Financial Guidance to offer independent, objective client education and personalized financial guidance.


Our firm specializes in providing objective and comprehensive financial planning services and investment advice to individuals and families on a flat fee basis. At CFG we love collaborating with clients to help bring clarity to their financial lives and confidence to their financial decisions.

Effective planning integrates your evolving situation so you're always making new decisions having integrated relevant and timely information. My role is to walk alongside you, listening, bringing to your attention new opportunities, avoiding missteps, and offering advice based on what matters most to you.

Our services include, but are not limited to:

  • Traditional financial planning integrated with purposeful life planning
  • Guidance in identifying and prioritizing short and long term goals
  • Retirement planning strategies
  • Investment advice
  • Cash-flow expense planning
  • College funding strategies
  • Analysis of insurance needs
  • Estate planning
  • Life transition planning