We’re here to help people make smarter financial decisions with honest advice, thoughtful planning, and a steady focus on managing risk.
As a fee-only Registered Investment Advisor, we don’t earn commissions or incentives for recommending specific investments. We’re only paid by our clients—so our advice stays focused on what’s best for you.
Financial planning should feel personal, not transactional. We’ll take time to understand your goals, build a plan that fits your life, and make adjustments along the way—because life rarely goes exactly as planned.
We care deeply about who we work with. Our team is built on integrity, and we look for those same values in the clients we serve.
Risk matters. That’s why we factor in the economy and business cycle when building portfolios. We’re here to help you grow—but not at the expense of taking unnecessary risk. Because how you get to your goals is just as important as reaching them.
Paul Culbreth has been helping clients make smart financial decisions for nearly two decades. After earning his Finance degree from Georgia Southern University in 2005, he joined his father’s practice and has been guiding clients ever since. As a Certified Financial Planner® with deep experience in investment risk management, Paul helps clients navigate market ups and downs with clarity and confidence. He also brings a strong background in insurance, offering objective reviews of life insurance and annuity products through a fiduciary lens. What drives Paul most is helping people reach their goals while staying prepared for whatever life throws their way. Outside the office, you’ll find him spending time with his family, enjoying a round of golf with friends, or relaxing by the beach.
Read More
Deb Lloyd is thriving in her 2nd career with 10 plus years of experience in investment advisory operations. Deb has superb organizational skills and is highly efficient with client service needs. She is a delight to work with and thoroughly enjoys interacting with clients. In her spare time, she enjoys being at the lake with her family, at the Braves game or on the tennis courts.
Read More
Culbreth Wealth Management was officially founded in 2023, but its roots go back to 1968. That’s when Paul’s father, Al W. Culbreth, Jr., began his career as an insurance advisor with Mutual of New York (MONY), just before graduating from Georgia Tech.
Over time, Al’s practice evolved alongside his clients’ needs. He expanded his expertise through executive programs at Harvard and Wharton, eventually shifting his focus to retirement planning and wealth management. He built lasting relationships, guided by care, trust, and a deep respect for the responsibility of managing his clients’ life savings.
In 2005, Paul joined his father in the business, learning from his experience and values firsthand. They worked side by side for nearly a decade until Al’s passing in 2014.
Though losing a father, mentor, and business partner was incredibly difficult, Paul has continued to serve their clients and grow the business—guided by the principles his father lived every day.
Al would be proud to know that his legacy lives on through Culbreth Wealth Management.
Close Paul Culbreth has been helping clients make smart financial decisions for nearly two decades. After earning his Finance degree from Georgia Southern University in 2005, he joined his father’s practice and has been guiding clients ever since.
As a Certified Financial Planner® with deep experience in investment risk management, Paul helps clients navigate market ups and downs with clarity and confidence. He also brings a strong background in insurance, offering objective reviews of life insurance and annuity products through a fiduciary lens.
What drives Paul most is helping people reach their goals while staying prepared for whatever life throws their way.
Outside the office, you’ll find him spending time with his family, enjoying a round of golf with friends, or relaxing by the beach.
Close Deb Lloyd is thriving in her 2nd career with 10 plus years of experience in investment advisory operations. Deb has superb organizational skills and is highly efficient with client service needs. She is a delight to work with and thoroughly enjoys interacting with clients. In her spare time, she enjoys being at the lake with her family, at the Braves game or on the tennis courts.