Hendersonville, NC Office

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Inspired Financial Planners

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Firm-wide stats for Inspired Financial Planners

Total advisors

2

Across 2 offices

Clients per advisor

16 Very Low

Avg AUM per client

$2,209,305 Very High

HNW client ratio

41% High

About

Inspired Financial Planners provides comprehensive financial planning and ongoing portfolio management to individuals, high-net-worth clients, and employer-sponsored retirement plans. Services include one-on-one financial planning, project-based planning engagements, investment management, and employee benefit plan advisory for plan sponsors.

The firm builds individualized investment policy statements and generally implements portfolios using Modern Portfolio Theory with a primarily passive approach (index mutual funds and ETFs), while retaining the option to use a sub‑advisor for select clients and tax‑management strategies. Advisors monitor plans and portfolios on a regular basis and incorporate planning topics such as cash flow, tax planning, retirement distributions, estate considerations, and insurance into their ongoing advice.

What is notable about the firm is its concentrated client base and credential mix: two lead advisors manage roughly $77 million for about 32 clients, producing a relatively high AUM per client and a small, personalized practice model. The firm’s lead advisors hold CFP and CPA credentials (one holds the AICPA Personal Financial Specialist credential and the other a Certified Student Loan Professional designation), and the firm also offers employee benefit plan services and the use of a well‑known model sub‑advisor for certain client needs.

Based on Inspired Financial Planners

Expertise

College savings (529s, UTMA, etc.) Cash flow / budgeting Retirement income strategy

Based on Inspired Financial Planners

Location

Hendersonville NC

Advisors at this office

1

Advisors at this office

Germaine W

CFP®, CPA, PFS™

Hendersonville, NC

Inspired Financial Planners

Germaine brings to the Inspired Financial mix her considerable experience as a financial planner, investment advisor and wealth manager — along with a keen sense of humor, honed by her life’s rich experience. Germaine has ridden out not just one hurricane, but two. In 1969 she lost her childhood Pass Christian home to Hurricane Camille then Hurricane Katrina destroyed their Ocean Springs home in 2005! Hurricane forces are nothing compared to Germaine’s. Having “flunked Retirement 101” (her words) she leaped at the opportunity to co-found Inspired Financial Planners with Tricia Kollath, CFP(r), CPA, in 2019. Their combined talents pair well with their shared passion for helping people navigate a complex financial world. Germaine has a master’s degree from the University of Southern Mississippi, and a bachelor’s degree from the University of Mississippi. She is a CPA with a Personal Financial Specialist™ credential (MS certificate 5504 and NC certificate 43722), as well as a Certified Financial Planner™ practitioner. Germaine founded and continues to chair the North Carolina CPA Association’s Financial Planning Networking Group to help her fellow CPAs understand the complex financial planning issues their clients face. Outside of her career, Germaine is an enthusiastic advocate for the arts. She is a life member of the Walter Anderson Museum of Art, having served various roles including its board since the early 1990s. She and her husband John (a physician) stay young by hiking the Blue Ridge Mountains that surround their North Carolina home. These days, Germaine and John divide their time between western North Carolina and the Mississippi Gulf Coast, where Germaine enjoys kayaking … when the waters are calm.

Wealth management Widow/Widower Women Professionals Baby Boomers (Born 1946-1964)
View complete list of advisors at this office
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