Advice-Only™ was created to solve a structural problem in financial planning: when advisors are paid to sell or manage products, their incentives can conflict with the client’s best interest.
Founded by Quincy Hall, CFP®, Advice-Only™ formalized a fiduciary planning methodology built on direct client compensation, zero product incentives, and a strict separation between advice and implementation.
The result is a transparent, objective planning experience governed by published Standards of Practice rather than sales goals or asset-gathering targets.
To explore the methodology in depth or begin an Advice-Only™ planning engagement, visit Learn from us or Plan with us.
Objective financial planning is offered 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.
Get started learning by visiting AdviceOnly.org
To learn more, visit FAQs or Contact Us
The Advice-Only™ engagement follows a structured planning process designed to separate financial advice from implementation incentives, creating a Zero-Influence Environment™ for objective recommendations.
The engagement begins with a Paid Consultation and a written advisory agreement.
You receive actionable guidance immediately while we confirm the engagement’s planning-only structure.
We establish a Present Position—a factual, math-based baseline of your finances using the 40-Point Framework™ to organize assets, liabilities, taxes, cash flow, and risk exposures.
We model scenarios, pressure-test assumptions, and evaluate transparent trade-offs across tax, investment, and income planning to produce your finalized strategy.
The Advice-Only™ engagement concludes at the Engagement Completion Boundary once you receive your Planning Memo, scenario outputs, and action roadmap.
After the Advice-Only™ engagement concludes, you retain full Implementation Optionality. You may implement recommendations independently or with any professional you choose.
During the engagement, we follow the Standards of Practice, which maintain a structurally objective Zero-Influence Environment™ until the plan is delivered. This ensures you receive exactly what you paid for: deconflicted fiduciary advice, free from all forms of implementation incentives.
Get all the particulars by visiting FAQs.
To learn more about all the features and benefits, visit Learn from us and Plan with us.
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.
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.
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.
Advice-Only™ was built on a single belief: objectivity must be engineered at the structural level — not declared as an empty or manipulatable marketing promise.
Since 2019, the Advice-Only™ Methodology has defined a planning environment where clients receive clear, structurally deconflicted guidance without asset qualification, product incentives, or a sales-driven process. It was created to solve the “Two Masters Problem” — the structural tension between serving a client’s best interest and serving a firm’s compensation model.
These truths guide every Advice-Only™ engagement:
To see how these truths are formalized across our framework:
Together, these elements distinguish Advice-Only™ as a disciplined, verifiable planning system — not a fee label or generic marketing phrase.
