Data as of Sep 19, 2026 · Based on 290 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
To find a financial planner who follows a strict fee-only structure and does not sell insurance, use specialized directories that screen for these requirements. The National Association of Personal Financial Advisors (NAPFA), Advice-Only Network, and the 
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Named in 64% of answers
NAPFA is an industry-leading organization for finding planners who are strictly fee-only and act as fiduciaries, ensuring they prioritize your financial interests without selling insurance or receiving commissions.
Named in 53% of answers
Named in 34% of answers
Best for those seeking budget-friendly, as-needed planning. They focus on advisors who work on an hourly basis, which avoids the ongoing management fees and product sales common in other models.
Named in 26% of answers
This network is best for finding advisors who provide purely objective, hourly, or flat-fee advice. They specifically exclude advisors who attempt to sell insurance or manage assets for commissions.
Source | Citation share |
|---|---|
 FeeOnlyNetwork.com: Home - Find a Fee-Only Financial ...https://www.feeonlynetwork.com/ | 5.4% |
 NAPFA: The National Association of Personal Financial Advisorshttps://www.napfa.org/ | 3.3% |
Advice-Only Network | Find Financial Advisors Who Don't Sell ...https://adviceonlynetwork.com/ | 3.0% |
 How to Find a Fee-Only Financial Planner | Modera Wealth Managementhttps://moderawealth.com/how-to-find-a-fee-only-financial-planner/ | 2.9% |
 What Is a Fee-Only Financial Planner?https://smartasset.com/financial-advisor/fee-only-financial-planner | 2.0% |
 How to Find a Fee-Only Financial Advisor | Darrow Wealthhttps://darrowwealthmanagement.com/blog/how-to-find-a-fee-only-financial-advisor/ | 1.8% |
 What You Need To Know About Fee-Only Financial Advisorshttps://www.investopedia.com/articles/investing/102014/feeonly-financial-advisers-what-you-need-know.asp | 1.1% |
What is Fee-Only Financial Advising | NAPFAhttps://www.napfa.org/financial-planning/what-is-fee-only-advising | 0.9% |
 Fee-Only Fiduciary Commitment - HB Wealthhttps://hbwealth.com/about-us/the-hb-wealth-difference/fee-only-fiduciary-commitment/ | 0.8% |
 Personal Finance Advice and Information | Bankrate.comhttps://www.bankrate.com/investing/financial-advisors/fee-only-vs-fee-based-planners/ | 0.8% |
Finding a true **fee-only** financial planner who operates strictly as a fiduciary and does not sell insurance or accept product commissions is the best way to ensure unbiased advice.[[1]](https://directory.garrettplanningnetwork.com/media/in-the-news)[[2]](https://garrettplanningnetwork.com/what-we-do/) To find…
Finding a true fee-only financial planner who operates strictly as a fiduciary and does not sell insurance or accept product commissions is the best way to ensure unbiased advice.
To find vetted professionals who meet these exact standards, look into these top directories and networks:
If you'd like, let me know:
I can give you more specific advice on how to interview them to confirm they don't dabble in insurance or commissions.
- **Pittenger & Anderson, Inc.** - 5533 S 27th St #201, Lincoln, NE 68512, United States - **MJB Financial Planning** - 1520 S 70th St #104, Lincoln, NE 68506, United States - **Flagstone Financial Management** - 5801 Hidcote Dr Ste 100, Lincoln, NE 68516, United States
If you're looking in or around Lincoln, Nebraska, there are several firms that appear to fit your requirements—fee-only, fiduciary, and no insurance/product sales.
Fee-only is stronger than simply saying "fee-based." NAPFA defines fee-only as compensation coming solely from the client, with no compensation contingent on the purchase or sale of financial products.
Since you specifically don't want someone who sells insurance, I'd ask each prospective planner this exact question before scheduling:
"Do you or anyone affiliated with your firm receive any commissions, referral fees, or other compensation from insurance companies for recommending or selling insurance or annuity products?" I'd also ask whether they are always a fiduciary, rather than only when providing certain services.
If you'd like, I can narrow these down to 2–3 planners based on your situation—for example, retirement planning, investment management, tax planning, or simply getting a one-time comprehensive financial plan.
Finding a true **fee-only, fiduciary financial planner** who does not sell insurance or earn commissions is the best way to ensure you are getting unbiased advice. True fee-only advisors are compensated solely by you (hourly, flat-fee, or as a percentage of assets under management) and do not accept commissions on…
Finding a true fee-only, fiduciary financial planner who does not sell insurance or earn commissions is the best way to ensure you are getting unbiased advice. True fee-only advisors are compensated solely by you (hourly, flat-fee, or as a percentage of assets under management) and do not accept commissions on financial products.
Here are the best directories and steps to find a planner who meets your exact criteria:
If you'd like, let me know:
I can give you more targeted advice on how to interview them to double-check their background.
- **Antarès Finances** - Espace Arc En Ciel,2 Rue Georges EUCHARIS Dillon Stade, Fort de France 97200, Martinique - **POZZO Florian - Conseil en investissement financier et immobilier** - 1er étage, porte 119, Centre commercial la Galleria, Le Lamentin 97232, Martinique - **Cabinet Mike Adrassé - Conseil en…
Yes. The key is to look specifically for a fee-only fiduciary—not merely an advisor who says they are a “fiduciary.” Fee-only means the planner is compensated by you rather than receiving commissions for selling financial products. NAPFA describes its members as operating on a strict fee-only, fiduciary basis and says they do not sell financial products on commission.
I also searched for planners around Fort-de-France/Martinique. There are local investment/financial-planning businesses, but I wouldn't assume they meet your fee-only/no-insurance-sales requirement without verifying their compensation structure. For example, Antarès Finances is listed locally as a financial planner, but the search results don't establish that it is fee-only.
You can send this exact question:
“Are you 100% fee-only, meaning you receive no commissions, referral fees, or other compensation from insurance companies, mutual funds, annuity providers, broker-dealers, or other financial-product companies? Do you sell or recommend insurance or annuities?” Also ask:
If you tell me where you want the planner to be located (Martinique, mainland U.S., or elsewhere), whether you want in-person or virtual, and roughly what you want help with (retirement, investments, taxes, estate planning, etc.), I can narrow this down to specific planners that fit your requirements.
You can send this exact question:
To find a truly objective financial planner who operates strictly on a fee-only basis and does not sell insurance, products, or earn commissions, you want to look at directories that strictly vet advisors for fiduciary and fee-only compliance.[](https://www.feeonlynetwork.com/) [[1]](https://www.feeonlynetwork.com/)…
To find a truly objective financial planner who operates strictly on a fee-only basis and does not sell insurance, products, or earn commissions, you want to look at directories that strictly vet advisors for fiduciary and fee-only compliance.
Top directories and resources to find the right planner include:
If you can share your general location or whether you prefer virtual vs. in-person meetings , I can help you navigate these directories or narrow down the best professional profile for your situation.
- **Luesink Stenstrom Financial** - 475 Park Ave S #2100, New York, NY 10016, United States - **Able Wealth Management** - 42 Broadway 12th floor, New York, NY 10004, United States - **Wharton Wealth Planning** - 3 Columbus Cir Fl 15, New York, NY 10019, United States
Yes. If you're in the NYC area, I found several firms that appear to fit your requirements: fee-only, fiduciary, and not compensated through insurance/product commissions.
Another particularly interesting option is Grand Central Financial Planning. NAPFA lists Andrew Kleinberg as a fee-only, advice-only CFP® in NYC offering flat-fee and hourly planning, with no commissions and no account minimums.
If your priority is “I want a planner, not someone who manages my money or sells me insurance,” I'd start with FAR Financial and Grand Central Financial Planning. If you want a more traditional comprehensive planning + investment-management relationship, Wharton Wealth Planning is worth interviewing.
You can also search XY Planning Network, which says its listed advisors are CFP® professionals, fee-only, fiduciaries, and vetted; its NYC directory currently has 55+ advisors.
One important distinction: fee-only already means the advisor receives no commissions for selling financial products under NAPFA's definition. NAPFA I'd nevertheless ask every prospective planner directly:
“Do you or your firm receive any compensation from insurance companies or from the sale or referral of insurance products?” If you tell me (1) your approximate age, (2) whether you're looking for retirement planning, investment planning, tax planning, or all three, and (3) whether you want ongoing advice or a one-time plan, I can narrow this to 3–5 specific planners that are the best fit, including their fee structures and minimums.
- **F5 Financial** - 70 Macon St, McDonough, GA 30253, United States - **Preston & Cleveland Wealth Management, LLC** - 1250 Keys Ferry Ct, McDonough, GA 30253, United States - **Prosperitage Wealth** - 2577 Conyers Rd, McDonough, GA 30252
Yes. Since you’re in the McDonough area, I found several candidates that appear to fit your fee-only / no insurance-sales requirement.
F5 Financial — McDonough
Explicitly describes itself as fee-only and fiduciary.
Says it charges clients directly with no commissions or product sales.
Led locally by Josh Duncan, CFP®, who is also listed in NAPFA's advisor directory.
Offers comprehensive planning, retirement, tax, estate/legacy and investment planning.
This would be one of my first calls.
Prosperitage Wealth — McDonough
Brian Seymour, CFP® is listed as a fee-only financial advisor with no stated asset minimum.
Particularly interesting if you want comprehensive planning rather than simply investment management.
I would specifically confirm during the initial call that they do not receive insurance commissions or sell insurance products, because their planning directory profile lists insurance among areas they can advise on.
Preston & Cleveland Wealth Management, LLC — McDonough
Appears to operate on a fee-only basis and focuses on financial planning/investment advice.
I'd put this on the interview list, but I'd want written confirmation regarding insurance commissions before hiring them.
Don't just ask, "Are you fee-only?" Ask these four questions:
NAPFA specifically recommends asking advisors about fiduciary status, compensation, commissions/incentives, and whether product sales influence their advice. NAPFA-Registered advisors are required to operate exclusively on a Fee-Only basis.
One important distinction: fee-only is stronger than fee-based. Fee-based advisors can potentially receive both client fees and insurance/product commissions; fee-only advisors cannot receive commissions for product sales.
If you'd like, I can also compare 5–10 fee-only planners around McDonough/Atlanta by fees, minimum investment, CFP® status, NAPFA membership, and whether they explicitly say they don't sell insurance, and narrow it down to the best 2–3 for you.
Finding a true **fee-only financial planner** who doesn't sell insurance or earn commissions is the best way to ensure unbiased, conflict-free advice.[](https://www.feeonlynetwork.com/) [[1]](https://www.feeonlynetwork.com/) The top directories and networks dedicated strictly to fiduciary, commission-free, and…
Finding a true fee-only financial planner who doesn't sell insurance or earn commissions is the best way to ensure unbiased, conflict-free advice.
The top directories and networks dedicated strictly to fiduciary, commission-free, and product-free financial planning include:
If you share your general location (or note if you prefer virtual/remote meetings ), I can help guide you on how to filter these directories or give you a few specific questions to ask prospective planners during an initial consultation.
Finding a true **fee-only fiduciary** who doesn't sell insurance or earn commissions is the best way to ensure unbiased financial advice. The most reliable places to search for advisors who meet these strict criteria are specialized professional directories: - **[NAPFA (National Association of Personal Financial…
Finding a true fee-only fiduciary who doesn't sell insurance or earn commissions is the best way to ensure unbiased financial advice.
The most reliable places to search for advisors who meet these strict criteria are specialized professional directories:
Quick Verification Checklist When Interviewing Planners:
Even within directories, it's wise to ask these direct questions during an initial consultation:
If you'd like, let me know:
I can help you narrow down which network or approach fits your situation best.
- **VisionQuest Financial Planning LLC** - 200 E Big Beaver Rd, Troy, MI 48083, United States - **Deller Wealth Management** - 418 N Main St Suite 200, Royal Oak, MI 48067, United States - **Autumn Financial Advisors, LLC** - 409 Plymouth Rd Ste 124, Plymouth, MI 48170, United States
Yes. If you’re in the Roseville / Metro Detroit area, I found several planners that appear to fit your criteria particularly well.
Fee-only doesn't necessarily mean "doesn't sell insurance." A fee-only planner can recommend insurance and potentially help you obtain it through a third party without receiving a commission. For example, Garrett Planning Network specifically says its planners don't sell products, but may recommend insurance and direct clients to providers.
For your requirement, I'd specifically ask:
"Are you completely independent of insurance companies, and do you or your firm ever receive compensation, referral fees, or other benefits from the sale of insurance?" I'd also ask whether they offer planning-only services rather than requiring investment management.
The Garrett Planning Network and NAPFA are good places to screen for fee-only fiduciary planners. Garrett members must be fee-only and cannot receive commissions, while NAPFA requires its members to operate on a fee-only basis.
If you'd like, I can narrow this down to 3–5 planners within, say, 15–20 miles of Roseville, compare their fees, credentials, minimums, insurance policies, and whether they offer hourly/flat-fee planning.
