How to Find a Fee-Only Financial Planner

If you’re already familiar with what a fee-only financial planner is, you’ve done your homework. If you aren’t sure of the difference between fee-only and fee-based cost structures, you can find out by reading our article: What is a Fee-Only Financial Planner? / Fee-Only vs Fee-Based Financial Planning. Once you understand the cost structures, you may want to know how you can find a fee-only financial planner.

How to Find a Fee-Only Financial Planner

To find a fee-only financial planner, we recommend you try the following methods.

Ask a Family Member, Friend, or Colleague

A great place to start is to ask someone you trust. Family members, friends, and colleagues may be able to help you find a trustworthy advisor based on their own experiences.

Turn to Trusted Professionals Such as Attorneys and CPAs

You can also ask your trusted attorney or CPA to recommend a financial advisor. You may need to contact the advisor to whom they refer you to inquire about their cost structure, or you can look online to see if they advertise a fee-only structure.

Check Third-Party Websites and Databases

In addition to your own personal network, you can leverage a few online sources that gather and list fee-only financial planners.

  • (The National Association of Personal Financial Advisors)
    According to their site, “The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.”To search the NAPFA database visit
  • FPA (The Financial Planning Association)
    The FPA also has a database of financial planners that you can search according to location and compensation type. Not all planners are fee-only, but you can easily filter the database to highlight fee-only planners. To search the FPA database visit

Research and Inquire Specifically About Fee Structure

If you find a financial planner or advisor through another resource, be sure to ask them directly about their cost structure. If you’re determined to work with a fee-only financial planner, we recommend starting with an online database such as, which makes it easy to limit your search by cost structure.

About Modera Financial Planners

We are proudly a fee-only, independently-owned financial planning firm that acts as a fiduciary for our clients. We have built our organization to put our customers’ interests first, as evidenced by our fee-only fee structure and fiduciary responsibility.

If you’re interested in our services, please contact us. If you would like to learn more about financial planning, wealth management, and finding a financial advisor, please visit other areas of our education section.


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