Advice-Only™ was created to solve a structural problem in financial planning: when financial advice is exposed to implementation-linked incentives—through asset management, product sales, or referral incentives—those incentives compete with the client’s best interest.
Founded by Quincy Hall, CFP®, Advice-Only™ formalized a structural fiduciary design and planning methodology (the Advice-Only™ Methodology) built on a strict separation between financial advice and implementation-linked incentives.
The result is a transparent, objective planning experience governed by published Standards of Practice rather than sales goals or asset-gathering targets.
In simple terms: Advice is formed before incentives exist.
Explore the Advice-Only™ Methodology or review the formal definition of Advice-Only™.
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Objective financial planning is delivered through a structural fiduciary design that separates financial advice from implementation-linked incentives. 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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The Advice-Only™ engagement follows a structured planning process designed to separate financial advice from implementation-linked incentives, ensuring recommendations are delivered without asset management, product sales, custody, or referral incentives. This structure creates 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-linked incentives.
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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. Advice-Only™ is a structural fiduciary design that separates financial advice from implementation-linked incentives.
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 incentive structure.
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.
