J.P. Cullen is a Senior Vice President–Investments and Financial Advisor who holds the CERTIFIED FINANCIAL PLANNER
® certification, the Certified Private Wealth Advisor (CPWA) designation, and the Certified Exit Planning Advisor (CEPA) designation. Since 1991, he has helped successful individuals, business owners, and multigenerational families make clear, tax-aware decisions about their wealth so they can invest confidently, preserve what they’ve built, and pass it on intentionally.
What J.P. does for clients.
- Retirement income planning and portfolio management aligned with your goals and risk tolerance
- Coordinated strategies across investments, tax, trust, insurance, estate strategies, charitable, and beneficiary planning
- Family wealth and legacy planning to help prepare heirs and simplify multi-generational decisions
- Business owner guidance, including exit readiness and transition planning, in collaboration with your CPA and attorney as appropriate
J.P. began his career at Dean Witter as an Account Executive, served as a Trust Officer at NationsBank, and advanced as a Financial Advisor at Merrill Lynch and UBS before joining Wells Fargo Advisors. He attended the Cannon Financial Institute and completed the three-part Cannon Trust School program in trust management and estate settlement. He holds the CERTIFIED FINANCIAL PLANNER
® certification, the Certified Private Wealth Advisor (CPWA) designation, and the Certified Exit Planning Advisor (CEPA) designation. He also holds a private pilot multi-engine instrument rating.
How J.P. works.
- Discovery: Clarify your goals, timelines, cash flow, benefits, and family considerations
- Plan: Build a prioritized, step-by-step plan and investment approach designed to be tax-aware and risk-managed
- Ongoing: Meet regularly to review progress and adjust as life changes
Service model: focused reviews each year.
- Annual strategy review covering goals and priorities, banking and lending needs, investment objectives and active projects, and a transparent fee review.
- “Eisenhower” planning session focused on what’s important versus urgent—cash flow planning, risk management/insurance, and estate planning strategies—in coordination with your other professionals as appropriate.
- Year-end planning to evaluate tax planning opportunities, charitable giving strategies, and tax-advantaged product considerations and contributions ahead of year-end deadlines.
Away from the office, J.P. focuses on raising a blended family of six with his wife, Janie. He previously completed six IRONMAN triathlons and now channels that same discipline into learning to sail. In his free time, he enjoys sailing in Charleston Harbor. He is an active member of Christ Church Episcopal and volunteers with Meals on Wheels.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
