Retirement Planning
Know whether you’re on track, how much to save, and how to turn savings into income that lasts.
Get advice, not sales pitches
Fee-only, fiduciary advisors who never sell products or manage your money — so the only thing they offer is honest financial advice.
- Fee-only
- Fiduciary
- No commissions
- No product sales
- SEC-registered
What "advice-only" actually means
Most financial "advice" comes packaged with something to sell. Ours doesn't. AdviceOnly advisors earn nothing from commissions, products, or managing your money — so their only job is giving you good advice.
What we don't do
- No commissions
- No product sales
- No asset-management (AUM) fees
- No referral kickbacks
What you get
- Unbiased, conflict-free advice
- You keep control of your own accounts
- Clear, flat fees agreed up front
- A fiduciary obligated to put you first
How an advice-only advisor helps
Some of life's biggest moments are also financial decisions — and the two are rarely separate. A good advisor helps you weigh both together, so your money supports the life you actually want.
Questions an advisor can help you answer
- Am I saving enough for retirement — and invested the right way to get there?
- I haven't reviewed my insurance in years. Do I have the right coverage, and am I overpaying?
- Do I need a will, trust, or other estate documents — and are my beneficiaries current?
- How should I handle equity compensation — RSUs, ISOs, or ESPP shares?
- I came into a windfall — a bonus, inheritance, or business sale. What should I do with it?
- What's the smartest way to balance paying down debt with saving for the future?
- A big life change is coming — marriage, a child, a move, caring for a parent, or retirement. How does my plan change?
- Should I refinance my student loans or pursue forgiveness (SAVE, PSLF, PAYE, ICR)?
Once you realize that every decision is a financial decision, planning becomes about your whole life — not just your portfolio. An advice-only advisor helps you see how the pieces fit together and make the call that's right for you.
Areas our advisors help with
Investing
A diversified, low-cost portfolio built around your plan — not products anyone is paid to sell.
Tax Planning
Coordinate income, deductions, equity comp, and account types to keep more of what you earn.
Estate Planning
Wills, trusts, beneficiaries, and powers of attorney — in step with your attorney, at any net worth.
Insurance & Risk
An objective review of life, disability, health, and property coverage. Advice-only advisors don’t sell policies.
Cash Flow & Debt
Budgeting, student loans, mortgages, and balancing debt payoff with saving and investing.
How it works
Finding the right financial advisor shouldn't be complicated. Three steps, no pressure, no sales funnel.
Search the directory
Filter advisors by specialty, location, and whether you want to meet virtually or in person.
Have a conversation
Reach out for a no-pressure intro call to see whether an advisor is the right fit for you.
Get advice you can act on
Pay a clear fee for guidance you own and implement on your own terms — no products attached.
Simple, transparent pricing
Every advisor sets and explains their own fees before you start — whether that's an hourly rate, a flat project fee, or ongoing planning. No commissions, no asset-based fees, no surprises.
You'll find each advisor's fee details on their profile, so you can compare on the things that actually matter.
Holding ourselves to higher standards
We're proud to take part in the organizations working to raise the standard of financial advice. As fee-only fiduciaries, AdviceOnly advisors are paid only by their clients — no commissions, no kickbacks, no referral fees.
Frequently asked questions
What is fee-only, advice-only financial planning?
Advice-only planning means you pay a financial advisor directly for their guidance — and nothing else. AdviceOnly advisors are fee-only: they earn no commissions, sell no financial products, and don't manage your investments for a percentage of your assets. You keep your money in your own accounts and pay a clear, agreed-upon fee for the advice you need.
How is AdviceOnly different from advisor-matching or lead-generation sites?
Many "find an advisor" sites are paid lead-generation services: outside advisors pay to be matched with you, and the site collects referral fees. AdviceOnly is different. Our advisors are investment adviser representatives of AdviceOnly's own SEC-registered firm — not outside firms paying for placement — and we don't sell your information as a lead or take referral fees for steering you toward a particular advisor.
Do AdviceOnly advisors sell products or manage my money?
No. AdviceOnly advisors don't sell insurance, annuities, or investment products, and they don't take custody of or manage your assets for an asset-based fee. They give you advice and recommendations; you decide what to implement, and your money stays in your own accounts.
How much does it cost to work with an advisor?
Each advisor sets their own fees and explains them clearly before you begin. Depending on the advisor, that may be an hourly rate, a flat project fee, or an ongoing planning fee — never a commission or a percentage of your investments. You'll find the relevant details on each advisor's profile.
Are AdviceOnly advisors fiduciaries?
Yes. AdviceOnly advisors act as fiduciaries, which means they are obligated to put your interests first. They are investment adviser representatives under AdviceOnly's SEC registration and hold professional credentials such as CFP® or EA.
Have another question? Contact us .
Meet some of our advisors
A small, hand-selected group of fee-only fiduciaries. Browse the full directory to filter by specialty, location, and how you want to meet.
CFP® making financial planning accessible, empathetic, and joyful.
- Career Change
- Divorce
- Engagement/New Marriage
Advice-only practitioner with deep investment expertise and a Thunderbird MBA.
- Inheritance
- Sudden Wealth
- Insurance/Risk Management
Flat-fee, advice-only CFP® with 18 years of experience — no commissions, no AUM fees.
- Insurance/Risk Management
- Investment Planning
- Retirement Planning
Advice-only planner specializing in tax, estate, and business planning — including work with neurodivergent professionals and families.
- Death of a Spouse
- Starting a Family
- Estate Planning
Are you an advisor?
Join a community of advisors dedicated to pure, conflict-free financial guidance. Build meaningful client relationships without commissions, quotas, or product pressure.