Robert Lemmons

CFP®, CPA, AIF®, CEPA

Total Wealth Planning

Principal & Director of Financial Planning

Robert Lemmons

CFP®, CPA, AIF®, CEPA

Total Wealth Planning

Principal & Director of Financial Planning

Our process goes well beyond comprehensive financial planning. It is getting to know you, your family structure and dynamics – a deeper personal discovery. It’s not just about managing your finances or investments; it’s all the factors that go into life planning. - Robert Lemmons, CFP®, CPA, AIF®, CEPA

Cincinnati, OH based Fiduciary Financial Planner serving clients locally and nationwide using a deep-comprehensive and integrated wealth management approach.

Total Wealth Planning is a fee-only financial planning firm in Cincinnati, OH serving clients locally and across the country.

Total Wealth Planning provides a comprehensive view of your financial life and all the factors that go into life planning. What this means to you is help with personal decision making and putting a date on things. We help you with financial planning and investment management while taking into consideration tax planning, professional moves, children, retirement planning, healthcare and other important priorities.

It’s about life planning and gaining more comfort with your long-term financial security.

5 reasons to “Choose Total Wealth Planning” when thinking about your finances, your wealth, and your future goals.

As Director of Financial Planning, Rob Lemmons is responsible for every client’s financial planning experience. This extends far beyond taking a comprehensive view of our clients’ lives. It is getting to know your family structure and dynamics – a deeper personal discovery. As a Principal, Rob’s philosophy is that it’s not just managing your financials; it is all the factors that go into life planning. His team’s discovery process helps you put a date to your objectives and steer your life based on analysis and sound decision making. His credentials cover:

  • 20+ years of financial planning, investment advice and tax reduction strategies to affluent clients located worldwide
  • Specializes in maximizing wealth for retirement and financial independence; expertise in corporate retirement plans and complex executive incentive compensation programs such as non-qualified employee stock options, incentive stock options, and restricted and performance based shares
  • Expert on employee benefits including those offered through Procter & Gamble, Chevron, General Electric, Johnson and Johnson, Fifth Third Bank and other Fortune 500 companies
  • Certified Public Accountant (CPA), CFP®, and Certified Exit Planning Advisor (CEPA)
  • Member of American Institute of Certified Public Accountants, Ohio Society of CPAs, Financial Planning Association (FPA)
  • Registered Financial Advisor with National Association of Personal Financial Advisors (NAPFA)
  • Accredited Investment Fiduciary AIF® designation through the Center for Fiduciary Studies in association with the University of Pittsburgh Joseph M. Katz Graduate School of Business

Rob is frequently invited to speak on financial planning and tax advisory topics. He enjoys spending time with his three children, coaching various sports and regularly volunteering at his children’s school. Rob serves on the board of the Over-The-Rhine & Walnut Hills Soup Kitchens & Pantry.

Robert Lemmons 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.
Founded in 1989, Financial Management Group is a fee-only compensated wealth management firm, independently owned and operated by a team of trusted and uniquely experienced professionals. Each professional working with our clients is a multi-credentialed advisor with either a CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and/ or an Advanced Degree. Combined, our advisors have over 100 years of experience working with clients. We are passionate about providing the very best guidance possible for making certain our clients will achieve their lifetime goals and objectives and realize financial peace of mind. We are committed to serving in your best interest foremost as is required in a truly-pure fiduciary advisory relationship, which unfortunately is much too often not the case in the financial services industry.

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

Specialties

  • 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)
    Robert Lemmons 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)
    Robert Lemmons 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.

  • CPA - Certified Public Accountant
    Robert Lemmons is a Certified Public Accountant (Learn More)

    Certified Public Accountants are licensed by the state and authorized by the state to practice public or private accounting. CPA licensing requirements are state specific, but typically include a bachelors degree with additional accounting coursework, successful completion of the Uniform CPA Exam, work experience, successful completion of an approved ethics course, and ongoing continuing education.

  • Accredited Investment Fiduciary®
    Robert Lemmons is an Accredited Investment Fiduciary® (AIF)

    Accredited Investment Fiduciary® (AIF®) training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interests. Advisors who have earned the Accredited Investment Fiduciary designation have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation and they are immediately able to demonstrate the added value that they can bring to both existing and prospective clients.

  • Certified Exit Planning Advisor® (CEPA®)
    Robert Lemmons is a Certified Exit Planning Advisor® (CEPA®)

    The Certified Exit Planning Advisor® (CEPA®) designation is obtained by financial professionals upon completion of a five-day in-person credentialing program. Advisors who earn this credential are specially trained to help business owners create an exit plan for selling their company for maximum benefit. The CEPA Program integrates exit strategy into business, personal, and financial goals of the business owner. Using this holistic approach, Certified Exit Planning Advisors® guide business owners to decide when’s the best time to sell their business and how to minimize taxes from the sale.

Contact Robert Lemmons

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Office Locations:

  • 4665 Cornell Road
    Suite 160
    Cincinnati, OH 45241

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