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Your Personal CFO

Making Life Better

Maximizing Your Financial Potential by Accelerating
Your Financial and Emotional IQ


We believe that through financial education and planning, combined with understanding your personality and emotions, you can make better decisions and strive to achieve financial freedom sooner. Financial freedom is more than words on a page or numbers in a spreadsheet, it’s about choices. It’s about being able to decide every day what you want to do. It’s about owning your life.

Do you struggle to know what is the best thing to do when it comes to your money? Do you find that it’s difficult to get clear answers when it comes to financial conversations? From big decisions to small ones we are here to help you to make good financial choices.  

At IRC Wealth we offer a boutique personalized CFO service to all of our clients. We work with you to strategically develop a wealth-building plan that combines goal setting, planning, execution, and review of all your financial needs whether they be personal or business. We help coordinate your team of trusted advisors to assist you in achieving your specific goals. 

Our Purpose is Simple: Your Success

About

A recognized leader in financial planning and wealth management with more than 25 years experience, IRC Wealth has been serving clients worldwide with simple, effective, and proven strategies for financial freedom. 

Our clients come from a variety of wealth-building and money-knowledge stages with a unifying characteristic– they are motivated and actively engaged in the pursuit of financial freedom.



Our core principles are...

  • Education: The more you know about your money the better
  • Collective Planning: Building the plan together with you  
  • Simplicity: Simple plans get accomplished  

We focus on helping our clients leverage all their resources, not just financial, to navigate critical life decisions. Our model combines expertise in wealth management, business management, and a passion for “the human factor” to guide clients through personal and professional decisions. 

Whether you are saving for retirement or building your business, transitioning through divorce or downsizing, or in pursuit of a life-long dream... we are here to empower you.

To help you make an informed decision, please review the Customer Relationship Summary HERE.

Partnering with You for Lifestyle Success




David Ragland, CFP®

Founder and CEO

David Ragland is a CERTIFIED FINANCIAL PLANNER™ and Chief Executive Officer of IRC Wealth. Holding both a BBA and a Master’s degree in Accounting from the University of Georgia, David began his career in the tax division of Ernst & Young. He then served as CFO for several companies, gaining experience in taking companies public and propelling one on to the INC 500 List of Fastest Growing Companies.

David blends a traditional academic and professional background with a fresh and energetic focus. As a successful businessman, Ironman triathlete, financial “coach,” and best-selling author, he understands and articulates the core ingredients that can motivate, energize and push people across their personal finish lines.

2019 Five Star Wealth Manager


Meet the Team:

Aamina Siddiqui, CFP®, CRPC® Photo

Aamina Siddiqui, CFP®, CRPC®

Financial Advisor - Atlanta, GA
Amy Getz, CPA, CDFA® Photo Amy Getz, CPA, CDFA® Hover Photo

Amy Getz, CPA, CDFA®

Financial Advisor; Sr. Director of Business Development & Client Experience - Atlanta, GA
Anna Studdard Photo

Anna Studdard

Client Services - Atlanta, GA
Carol Cho, CLU®, ChFC®, BFA™ Photo Carol Cho, CLU®, ChFC®, BFA™ Hover Photo

Carol Cho, CLU®, ChFC®, BFA™

Financial Advisor - New York, NY
Meghan Henderson Photo Meghan Henderson Hover Photo

Meghan Henderson

Investments & Trading - Atlanta, GA
Naomi Fu Photo Naomi Fu Hover Photo

Naomi Fu

Investment Analyst - Boston, MA
Tiffany Hedemark Photo Tiffany Hedemark Hover Photo

Tiffany Hedemark

Investments and Operations - Atlanta, GA

YOUR Team to Accomplish YOUR Goals

Our Process


1

CONNECT

Schedule a complimentary 30-minute introductory phone call so that we can learn more about you and your financial planning needs. We will describe our process and explain how we can help you. We want to make sure we are the right fit for you.

2

Session 1: Strategy

During this session we will identify a big-picture vision for your individual path to financial freedom. Using our proprietary process we will determine the amount of money and the timeline you need to achieve your goal.

3

Session 2: Grow Tactics

The tactical sessions are designed to develop detailed savings, debt elimination, and risk management plans to accomplish your big-picture vision.

4

Session 3: Protect Tactics

The tactical sessions are designed to develop detailed savings, debt elimination, and risk management plans to accomplish your big-picture vision.

5

Review and Update

We schedule bi-annual meetings to review and update your plan to ensure you are on track toward your goal. We are always available to you in between these meetings and welcome any questions that arise as you make decisions.

Simple Plans Get Accomplished

Services & Fees

Financial Planning That Makes Sense

When it comes to your finances, the options for creating financial wealth can seem complicated and overwhelming. As a recognized leader in the financial planning industry, we customize a clear and simple financial plan to meet your specific needs.


Financial Goals

Creating financial goals and timelines that allow you to live and embrace the present and while planning for the future.


Cash Flow Management

Understanding what you are earning, what you are spending, and ways to optimize your cash flow. 


Debt Elimination Planning  

Developing a comprehensive debt elimination plan that allows you to pay off your debt while still enjoying today. 


Risk Management  

Identifying and understanding your current areas of risk including life, disability, and liability to develop a plan that will mitigate those risks through strategic decision making and insurance.  While we don’t offer insurance coverage, we work with you and your existing providers to design your best risk-management plan. 


Savings Plans

Identifying the most effective and tax efficient ways to save for the future. 


Estate Planning  

Assessing your current estate planning needs for transferring your wealth to your loved ones. Working with you and qualified legal advisors, we will establish a plan that will seek to maximize your wealth transfer while working to minimizing additional taxes, fees, and complexity.


Retirement Planning  

Creating a detailed plan to support a successful transition from full-time employment to retirement living.  


401(k) Advising Services  

Evaluating your corporate 401(k) plan to maximize your saving potential and create custom plans benefitting you and your employees.  Learn More →


Fees

We are a fee-based advisor. This means that we do not receive commissions or incentive compensation to sell you any product or service. Our fees are based on a percentage of assets under management and our goal is simply to grow your wealth over time. Asset management fees are billed quarterly in arrears, based on the average daily balance of assets under management in the client’s investment management account(s). We value direct and clear communication and welcome any questions our clients have about how the fee or billing process works.


Portfolio BalanceAnnualized RateQuarterly Rate

$0 – $499,999

1.5%

0.375%

$500,000 – $999,999

1.3%

0.325%

$1,000,000 – $4,999,999

1.10%

0.275%

$5,000,000 – $9,999,999

0.90%

0.225%

$10,000,000 and greater

0.80%

0.20%

Available When You Need Us

Resources




FREE DOWNLOAD

Financial Planning Worksheets

Download our free Personal Balance Sheet, Personal Budget and Debt Summary worksheets.

Learn more




FREE DOWNLOAD

Independent Contractor Guide

Download our free Independent Contractor Guide for more information on paying less in taxes and saving for retirement.

Learn more




FREE DOWNLOAD

LLC Set-Up Guide

Download our free LLC Set-Up Guide for more  information on how to best set up your new LLC.

Learn more



BEST-SELLING BOOKS

E-book & Paperback Resources

David Ragland is the best-selling author of two books. In the first book Wealth Made Simple (yes, really), he offers simple and proven strategies to help people learn to earn, save, and spend as they accumulate wealth. In his follow up book Retirement Made Simple (yes, really) he takes a simple approach to navigating retirement decisions no matter where someone is on the journey.

Learn more






ADVICE, TIPS & ARTICLES

Wealth Made Simple BLOG

Articles and insights to inspire, support and advise as you work toward your wealth-building goals.

Learn More

Ready to learn more?


LOCATION

3050 Peachtree Road NW
Suite 220
Atlanta, GA 30305

CONTACT

info@ircwealth.com
(404) 968-9348