Client resources
Where to find a fee-only financial advisor.
Aligned Path implements insurance; we don't write financial plans. The advisors we work with every day are fee-only fiduciaries, and if you don't have one yet, the directories below are where we would tell a family member to start.
Why fee-only?
A fee-only advisor is paid directly by you, never by commissions on the products they recommend. The advice stands on its own. It's the same separation our own practice is built around.
- A fiduciary duty to act in your interest
- Paid by you, never by product commissions
- Products only where the plan calls for them
Where to look
Five places to start your search.
Each organization maintains a public directory of advisors who meet its standards. They're listed here because their members practice the kind of advice Aligned Path was built to support.
Independent listings: we have no referral or compensation arrangement with any of these organizations.
Professional association
NAPFA
The National Association of Personal Financial Advisors has held the strictest fee-only standard in the profession since 1983. Members take a fiduciary oath and may not accept commissions of any kind.
napfa.org
Planning network
XY Planning Network
Fee-only CFP® professionals, founded in 2014 by Alan Moore and Michael Kitces with a focus on clients in their 30s, 40s, and 50s. Most members offer flat monthly or project pricing, work virtually, and have no asset minimums.
xyplanningnetwork.com
Hourly planning
Garrett Planning Network
Founded by Sheryl Garrett in 2000 around hourly, as-needed financial planning. A good fit when you want a full plan or a second opinion without committing to ongoing asset management.
garrettplanningnetwork.com
Advice-only planners
Advice-Only Network
Advisors here go a step further than fee-only: they charge a flat or hourly fee for advice and never manage your investments or sell products. Built for people who want professional guidance and prefer to implement it themselves.
adviceonlynetwork.com
National directory
FeeOnlyNetwork
A directory built specifically around fee-only fiduciary advisors, searchable by location and specialty. Useful for comparing several advisors' credentials and focus areas in one place.
feeonlynetwork.com
Where Aligned Path fits in.
When a financial plan calls for life, disability, or long-term care coverage, advisors bring us in to implement it. If you engage an advisor through one of these directories and insurance comes up, they're welcome to involve us, or any implementation partner they trust. The plan comes first either way.
