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Fee-Only Financial Planning, Trust Management, & Investment Advisory Services

A Registered Investment Advisor Serving The State of Georgia
And Where Otherwise Permitted By Law


About

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John Essigman

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John Essigman

John is a fee-only investment advisor and financial planner with a passion for helping families achieve their personal, business, and financial goals. He first entered the financial services industry in 2004 to pursue a life-long ambition of building a private practice. John’s career spans more than 30 years in business and he brings broad experience to his Financial Wellness practice.

John holds a bachelor’s degree in business management from Saint Leo University and is pursuing a master’s degree in finance from the College for Financial Planning. John is originally from Southwest Texas and is a US Marine Corps Veteran. When he's not studying or working, John enjoys spending time with his wife, Glenda, and their children.

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Glenda Essigman

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Glenda Essigman

Glenda Essigman serves as our business consultant and is on our Board of Directors.  She is a Certified Project Management Professional and brings more than 20 years of experience in Information Technologies, Application Development, Manufacturing, Supply Chain, and Human Capital Management.  Glenda has a broad understanding of corporate business systems, accounting, and processes within the food & beverage, apparel, and heavy equipment industries. Glenda is a native of Cleveland GA.

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Savannah Essigman

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Savannah Essigman

Savannah Essigman serves as our Customer Relationship Manager and is on our Board of Directors.  She has an exceptional ability to connect with people and works diligently to improve client communications.  Currently enrolled at North Georgia Technical College, she excels in mathematics, engineering, economics, and finance.  She is also preparing for the Series 65 Investment Advisory exam.  Savannah possess a flair for art, is a natural entrepreneur, runs several small retail businesses, and holds an award for District Project Achievement.

Affiliations

  • Member of the White County Chamber of Commerce
  • Founding member of North Georgia Business Leaders
  • Treasurer and Board Member of the White County Rotary Club
  • Member of the Joint Development Authority of Dawson, Lumpkin, and White Counties
  • Volunteer with the Habersham Technical Rescue Team
  • Former member of Habitat for Humanity’s Board of Directors
  • Former member of Society for Human Resource Management Board of Directors
  • Former member of The American Red Cross Board of Directors

We Will:

1

Never deliver a financial plan that is incomplete or simply not the best.

2

Tell you what you need to know, not what you want to hear.

3

Always protect your privacy and work only in your best interest.

4

Take the moral high ground and will never compromise my integrity or violate your trust.

We provide a thoughtful, intelligent approach to helping you make money and mitigate risk 

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Services

Fee-Only

Our profession is filled with confusing acronyms, designations, and titles such as “financial representatives” or “fee-based advisors” who are paid for the products they sell. Fee-only is significantly different as we are held to a very high fiduciary standard of care to serve only in your best interest.

We do not sell any products and we do not receive any compensation from insurance companies or brokers.  We are paid only by you and work solely for you.  This eliminates any conflicts of interest, enabling us to provide unbiased financial guidance that is centered on what is best for you and your family.

Investment Management

Many advisors use third-party money managers, mutual funds, and annuities containing thousands of securities.  They may indeed be broadly diversified but you can be assured of high costs and mediocre performance.

Our investment portfolios are owned and built by us based upon your unique goals and characteristics.  A refined, carefully selected portfolio of securities will provide ample diversification and better results at a lower cost.

We are not limited to traditional stocks or bonds.  Our platform allows us to invest IRA or non-IRA funds wherever you or I find opportunities.  Our portfolios regularly contain local real estate, local businesses, commercial properties and even private debt.

Trust Management

Our office is uniquely structured to function as your Trustee, Executor, or Power of Attorney.

Why a Third Party?  Some people do not have family or children that can serve in this capacity, they may be geographically dispersed, or family members may be offended by your choices.  Family members can be influenced by emotions, family politics, strong personalities, or their spouses.  Existing conflicts can be amplified or new disagreements created.

 We offer unbiased, independent trust services so that your wishes are followed per your instructions.

Our Process

One of the largest issues clients face is holding themselves accountable to their long-term financial goals. Money provides the funding for those goals but the goals themselves are generally about love for their parents, their kids, their spouse, their church and/or all of the above. Here is how we can help:

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Gather Your Information

Your first appointment is complimentary and very low-key. If we don’t click or if we cannot help you we will send you to someone who can.

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Discover Your Goals 

We will help guide your decision on when you would like to retire and how much income you might need. We will discuss your dreams on what you want to do for your children, your grandchildren, your parents, or maybe your favorite charitable organization.

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Prepare Your Plan

We will crunch the numbers to figure out the cost, the time frame and how much to set aside to reach your goals. We also prepare a contingency plan to ensure your goals are met.

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Staying Your Course

We will conduct quarterly or annual reviews and make adjustments as necessary. This ensures that we account for any changes in your life or financial position.

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Contact

Schedule a meeting 

Address:

141 North Main Street
Cleveland GA 30538

Email:

john@bluecreek.net

Phone:

(706) 865-0121