Helga Cuthbert


Cuthbert Financial Guidance

Financial Advisor

Helga Cuthbert


Cuthbert Financial Guidance

Financial Advisor

I am passionate about helping individuals and families discover their life goals and aligning them with their money. I want to be their trusted guide and will work hard to earn their respect. - Helga Cuthbert, CFP®

(404) 633-6420

Your Path to a Brighter Financial Future

Helga Cuthbert is a Decatur, GA fee-only financial planner. Cuthbert Financial Guidance provides comprehensive and objective financial planning and corporate wellness services to help individuals, families, and business owners organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Helga Cuthbert is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

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.

Helga Cuthbert is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

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

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Helga Cuthbert is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Helga Cuthbert is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Garrett Planning Network - GPN
    Helga Cuthbert is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

Contact Helga Cuthbert

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Office Locations:

  • 836 Sycamore Street
    Decatur, GA 30030

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