Welcome to our Website!

 

Thank you for visiting our website! We hope you find this website to be informative, inviting, resourceful and compelling. The Cumberland Financial Group, LLC, is a unique financial firm located in St. Marys, Georgia.

 
The mission of our firm is to help clients take responsibility for their financial lives and to make important choices necessary to realize their hopes and dreams for the future.
In a word, we believe that the future belongs to those who prepare for it. Above all, client needs always come first.
 
Our firm is comprised of two divisions each reflecting the professional experience and expertise of its principal. The first division is a financial planning and fee-based wealth management unit headed by Charles A. Smith. The second division is a full service life/health insurance agency led by Mary T. Smith.
 
Our client’s needs are addressed by utilizing state of the art financial planning tools and by employing contemporary financial instruments offered by many of the world’s most respected financial institutions.  
 
We invite you to explore our website directory. You will find a wealth of information including biographies, market data, practice specialties and resources, articles, newsletters, technical tools, as well as, E-Seminars on a variety of timely financial topics.
 
Please contact us directly with questions or comments. You may reach us at
1-912-576-3700 or by clicking the “contact us” link listed in the menu bar. Thank you, again, and welcome to our website.
 
Learning Center
  • Articles

    Articles

    Educate yourself on a variety of financial topics.

  • Calculators

    Calculators

    A host of financial tools to assist you.

  • Newsletters

    Newsletters

    Timely Newsletters to help you stay current.

  • E-Seminars

    E-Seminars

    Animated presentations to help you learn and decide.

  • iMoney

    iMoney

    Ideas to help simplify everyday finances.

  • Glossary

    Glossary

    Financial terms from A to Z.

  • Tax Library

    Tax Library

    Manage your taxes and prepare for the upcoming tax season.

Calculators

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Financial IQ Test

Take this quick quiz to find out your Financial IQ

More Calculators →

Newsletters

Testing Your Liability Limits

This quiz tests the reader’s understanding of personal liability.

Love and Marriage and Retirement

More than 80% of married couples 45 to 72 say they don't agree on when they should retire, what their retirement lifestyle should look like, or whether they will work in retirement.

Avoid the Timing Trap

Market timing is a risky approach that could have a significant effect on a portfolio’s long-term performance.

HOT TOPIC: Investors Flock to Bond Funds, But What Happens When Rates Rise?

Investors are on track to invest 11 times more money in bond funds in 2009 than they will invest in stock funds. This is not surprising, considering the market volatility in 2008, but are these investors operating on false assumptions about the capabilities of bond funds?

More Newsletters →

Market Watch

March 10, 2010 @ 09:22 PM

Dow Jones Industrials 10,567.33+ 2.95
Nasdaq Composite 2,358.95+ 18.27
S&P 500 1,145.61+ 5.17
S&P Mid-Cap 400 778.80+ 6.21
S&P Small-Cap 600 357.79+ 2.31
Russell 2000 674.93+ 5.30
NYSE Composite 7,327.67+ 33.65
AMEX Composite 1,881.91- 20.77
10 Year Treasury Note 3.70-
Wilshire 5000 11,936.21+ 61.52

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