One Mission: Help Clients Make Better Decisions With Money.

Brian Cummings, CFP®, EA, ChFC®
Investment Adviser
CERTIFIED FINANCIAL PLANNER TM Practitioner
brian@cummingswealth.com
(843) 593-2235 direct line
LinkedIn

Practice Focus

Brian is an investment adviser and CERTIFIED FINANCIAL PLANNER(TM) Professional.  His practice is centered around helping clients make good decisions with money versus trying to “beat the market.” 

His investment approach is based on using mainly low cost, broadly diversified index funds to capture the average returns of different market segments rather than market timing and stock picking.

His financial planning process is from a cash flow perspective, which utilizes software to help clients understand their current cash inflows and outflows.  This helps them identify opportunities and make adjustments now so that they are better prepared to achieve their future financial goals.

Together, his investment management and financial planning process is about trying to put clients in the best position possible to achieve their financial goals, as well as be prepared for potential risks.

Background

Brian was born and raised in the Charleston area, growing up on Sullivan’s Island and residing in Mount Pleasant.  His family has been in the Charleston area since the 1850’s.  He has been in banking and financial services for over 20 years. 

He has extensive experience in banking, investment management, and financial planning.  His educational background includes a bachelor’s degree from the College of Charleston in 2000, as well as, attaining the CERTIFIED FINANCIAL PLANNER™ practitioner (2006), Chartered Financial Consultant™ (2013) and Accredited Estate Planner™ (2014) professional designations through coursework at the College of Charleston and the American College for Financial Services.  Brian also holds a post-baccalaureate certificate in Taxation from the University of North Carolina at Greensboro which he earned in 2021, as well as, the Enrolled Agent (EA) designation (2020), the highest credential awarded by the IRS. 

Brian is an avid surfer and enjoys spending free time in the water.  He is a husband to his wife Mary, who is a registered nurse, a dad to a rescue dog named Remi,  and a caretaker to a skittish rescue maine coon kitten (Lula Pearl a/k/a Little Wee).  When not working, Brian enjoys spending time with his wife Mary, their family, and friends.

Services
& Fees

Asset Management Fee and Financial Planning Combined Fee Schedule.April2024

  • Risk tolerance and financial goals assessment
  • Asset allocation
  • Portfolio construction
  • Professional management
  • Ongoing comprehensive financial planning and assessment covering:
    • Budgeting & cash flow management
    • Investment review & analysis
    • Retirement funding planning
    • Education funding planning
    • Insurance analysis
    • Tax analysis & strategic planning
    • Estate and legacy planning
  • Access to the online interactive financial planning software portal and investment accounts with performance reporting
  • Collaboration with your tax advisor and attorney as needed

Financial Planning Only Fee Based Plan Service Schedule as of March 2024

  • Income vs. expenses analysis
  • Investment review & analysis
  • Retirement funding planning
  • Education funding planning
  • Insurance analysis
  • Tax analysis & strategic planning
  • Estate and legacy planning

1275 Ben Sawyer Boulevard, Mt. Pleasant, SC, 29464. Direct: (843) 593-2235 Office: (843) 884-9898
*Advisory services offered through Commonwealth Financial Network®, a Registered Investment Adviser.