Fee-Only Financial Planner Defined

FEE-ONLY means I work for YOU and YOUR best interests ONLY.

Fee-only Certified Financial Planner DeifinedOther financial planners and advisors work for fees plus commissions, or commissions only, meaning they will sell you the financial products that will benefit their pocketbooks the most, regardless of whether they benefit you or not!

As a Fee-Only CERTIFIED FINANCIAL PLANNER™, I am compensated exclusively in the form of fees for both financial planning and asset management professional services. You can be assured you are receiving the best advice tailored expressly to you, your needs and your best interests alone.

You’ve worked hard for your money; why settle for anything less?

Getting money right once could be luck, a tip, or a single transaction.

We get money right more than once, enabling you to use strategies to avoid the potholes as you drive your financial car through life, continuously planning for future circumstances—those foreseen, and even those nasty surprises—and mapping out the smoothest route for your journey.

We provide information and tools so that you know what action(s) to take, or not to take when the markets go up or down.

We’re seasoned, Fee-Only CERTIFIED FINANCIAL PLANNER™ practitioners, eager to help you achieve your financial goals, all the while managing the necessary risks.

We partner with you, providing strategies and offering both short & long-term solutions to handle whatever life challenges appear; giving you the comfort in knowing we’re only a phone call away. We’ve built generally years of trust which you can count upon as you transition into retirement.

Want to learn how a Fee-Only CERTIFIED FINANCIAL PLANNER™ can help you?

Contact Us with the web form below:


More from Debra on Fee-Only Financial Planners:


When people don’t know what they don’t know, it may well feel difficult to discern when to consult a CERTIFIED FINANCIAL PLANNER™. Typically folks approach a challenge thinking there may only be 2 options…so they choose one option that appears either best, (or less damaging) to them.  Absent knowledge to the contrary, they may be making an acceptable or even good choice, OR perhaps a very expensive choice.

Not understanding the interconnectedness of investments with taxes, for example, could cost taxpayers what I call ”groups of zeros” in any one tax year. The shuffling of investments can trigger unintended and costly income tax consequences…

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What Type of Financial Advisor Should You Hire?

Now that you know when to consult a financial advisor, let’s review what type of financial advisor you should hire:

Thankfully, within the arena of financial planners, how the planner is paid actually serves as a valuable tool in helping you make that decision. Yes, it really is that simple. The three types of compensation amongst financial representatives, advisors and planners follow…

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DEBRA L. MORRISON is a Fee-Only Wealth Manager who brings 38+ years of experience in personal financial planning and asset management. She received her Bachelor of Science in Business Administration from Messiah College, and earned both her Certified Financial Planner® designation and her Masters of Science in Retirement Planning from the College for Financial Planning. She has helped thousands of clients face and conquer their fears and attain financial security.