About Us

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We stand out in the financial planning industry by offering objective planning materials and personalized advice from our advisor instructors. We’ve identified a unique opportunity in the marketplace for financial planning and took the initiative to create a new offering that combines technology with access to personalized advice. The goal is to ensure a complete and objective financial planning experience.

To learn about all the features and benefits, visit Learn from us or Plan with us.

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It's hard to beat a person who never gives up.

George “Babe” Ruth

Our Merits

Individually, advisor merits represent more than recognition. They show our character and commitment to impactful client services. They reflect our positive, life-changing work with clients. We aim to build trust and long-lasting working relationships.

Collectively, advisor merits represent our ongoing growth, learning, and constant improvement. We see challenges as chances to improve our skills and knowledge. Merits show our commitment to quality and innovation. They reflect our relentless pursuit of excellence.

To view the complete list of merits, visit Our Merits.

Separate Advice From Sales

We offer objective financial planning through a unique service model, one free from financial sales pitches. Unlike traditional financial services, our innovative methodology creates a transparent and reliable experience. We also built a marketplace where advisors can share their insights, making education accessible to anyone.

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To learn more, visit FAQs or Contact Us

What is the Advice Only™ Planning Process?

The Advice Only^TM process involves a series of meetings in which our advisors provide objective financial guidance, helping clients develop a comprehensive financial plan tailored to their unique needs and goals.

Paid Consultation

Paid consultations provide clients with an advisor’s perspective. Client(s) determine if completing a plan is worthwhile.

Planning Meeting #1

The goal is generally to create a “present position” to model scenarios for Planning Meeting #2.

Planning Meeting #2

The finalized “present position” is used to develop planning scenarios, assess asset allocation, and settle subjective matters.

Post-Planning

A planning engagement is complete upon receipt of the plan, summary, action list, and once payments are finalized.

After an Advice Only™ engagement, clients may, of course, implement any services they see fit through any advisor or company they choose. While our platform’s advisors may offer other services, they are trained to maintain an objective environment until a client approves the Advice Only™ plan. This ensures the client gets exactly what they paid for.

Get all the particulars by visiting FAQs.

At Your Service

Needs are different and will shift multiple times throughout life. Below are a few generalized life stages common among clients utilizing our services.

To learn more about all the features and benefits, visit Learn from us and Plan with us.

Going through a major life change

Major life events, like marriage, divorce, and retirement, can affect finances. They can also create new planning opportunities. Financial education and a financial advisor can help. They can navigate these changes, provide mediation, and save time. Plus, avoid costly mistakes.

Developing a “complete” strategy

Most everyone can benefit from being financially tactical. They should parse sensitive, subjective matters, gain exposure to key planning topics and the occasional changes to the law. Multiple income streams, insurance, Social Security, and taxes can be complex, and it’s likely everyone requires objective guidance.

Needing experienced advice

Most people have done just one financial plan – their own. A financial advisor’s main value is their experience having worked with many clients. They have seen how strategies play out and they bring that knowledge to the discussion. A client uses a professional’s insights and experiences to make informed decisions on important financial matters.

When assessing risk

We assess risk by combining multiple tests. Diversifying asset allocation and avoiding overlap. Optimizing a portfolio for growth while simultaneously minimizing risk. The goal is to align laws, preferences, and time horizons into one cohesive strategy.

A voice of reason

Clients sometimes benefit from an advisor’s outsider view, acting as a neutral observer or mediator. Our advisors are trained to act as a qualified “go-between” and can help confirm a strategy, inspire a new one, or settle disputes among family.

Our Truths

Our company is defined by the underlying methodology and process we follow. Our platform offers users access to valuable educational resources. And with this, users can form a personal planning philosophy. We use tech to help further identify personal financial preferences. We want to help users understand themselves and connect their planning ideals with those of loved ones.

This along with one-to-one guidance, clients can confidently navigate life’s tough financial decisions. Trusting that their financial plans remain viable and objective. To keep our promise to separate financial advice from new financial solicitations, we created “Our Truths.” These standards shape our processes and tech products. They guide the advice we give and reflect our values. Clients can rest assured that an advisor using the Advice Only™ method will follow a set process. That is providing objective financial education and advice.

We Will

Charge directly by invoice for financial planning services. These are under an advisory agreement for a fixed or hourly rate.
We will keep a privacy-protected archive. We will also make available digital versions of planning documents for completed financial plans. 1
Offer no less than two separate planning meetings to complete a financial plan. 2
Offer a solution for continued paid services after a plan’s completion. 3

We Will Not

“Qualify” for services based on assets or through invasive financial questioning practices.
Be influenced by, require, or be paid in any way by new financial products or asset management services while using the Advice Only™ planning process.
Require a subscription for access to a previously completed financial plan. 4
Be conflicted by referrals or other non-monetary forms of compensation. 5

5. The Advice Only™ methodology says that advisors must not get any benefits during the Advice Only™ process, except for invoiced payments from clients. This includes generally avoiding non-monetary favors and referrals of Advice Only™ clients. However, a referral is, at times, in a client's best interest. If a conflict could exist, a written explanation of the referral and any potential conflicts will be produced. All parties must acknowledge this in writing before the referral is given.

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Advice separate from solicitation

Our methodology is the foundation for everything we do and sets us apart in the financial services industry.

Prior to developing our methodology, financial services needed a standard for offering objective financial planning education and advice. So, we took the initiative and developed a new financial planning approach that any advisor could use and all clients could rely on.

However, we went further, developing a marketplace for objective educational services—a platform for content written by advisor instructors to share their valuable experiences and insights.

We’re proud to be the first to provide such a service, making it accessible to anyone. We remain true to our belief that an option for financial advice should exist free of all forms of solicitation and outside influences throughout the planning process.

We’re thrilled to offer and continue to enhance this new frontier of consumer-centric innovation in financial services. It allows clients to control their data and leaves no room for doubt or uncertainty when making life’s most consequential financial decisions.