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. Our practice depends on that split staying clean: the advice stays with the advisor, and we only implement it.
- 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
Six 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. Each logo belongs to its owner and is shown only to identify the directory it links to.
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.
Search the NAPFA directory
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.
Search XYPN advisors
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.
Visit Garrett Planning Network
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.
Explore the Advice-Only Network
AdviceOnly
AdviceOnly members charge hourly or flat fees for advice. They never manage investments and never sell products, so your accounts stay where they are. AdviceOnly is a public benefit corporation, and it interviews every advisor before admitting them. It's the newest directory here, and despite the near-identical name, it has no connection to the Advice-Only Network.
Browse AdviceOnly planners
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.
Browse FeeOnlyNetworkWhere Aligned Path fits in.
Aligned Path is an independent insurance brokerage. We work with referrals from fee-only financial advisors and with direct clients. Insurance carriers pay us commissions when coverage is placed; we charge no separate brokerage fees to clients or advisors. If your financial plan calls for life, disability, or long-term care coverage, your advisor can involve us or any implementation partner they trust.
