# Betsy Hutchins

> Betsy Hutchins is a fee-only financial advisor at Forward Financial Planning in Germantown, Tennessee, who holds the CFP and CRPC credentials. Betsy charges a flat fee or retainer and an ongoing planning fee and focuses on physicians & residents, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/betsy-hutchins/
Built from public directory listings; last checked October 28, 2026.

## Facts

- **Firm:** Forward Financial Planning
- **Based in:** Germantown, Tennessee
- **Fee model:** Flat fee or retainer; Ongoing planning fee
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $3.7M across 25 accounts
- **Credentials:** CFP, CRPC
- **Specialties:** Physicians & residents, Tax planning, Estate & legacy planning, Student loans, Retirement planning
- **Works with:** Physicians, High earners
- **CRD:** 7498171 (https://adviserinfo.sec.gov/individual/summary/7498171)
- **SEC registration:** Investment adviser representative in TN, TX
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://fwdfp.com

## Frequently asked questions

### Is Betsy Hutchins a fee-only financial advisor?

Yes. Betsy Hutchins is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Betsy's firm.

### How does Betsy Hutchins charge for financial advice?

Betsy Hutchins charges a flat fee or retainer and an ongoing planning fee.

### Does Betsy Hutchins work with clients virtually?

Yes. Forward Financial Planning says on its website that it works with clients remotely.

### Where is Betsy Hutchins based?

Betsy Hutchins is based in Germantown, Tennessee.

### What does Betsy Hutchins specialize in?

Betsy Hutchins's specialties include physicians & residents, tax planning, estate & legacy planning, student loans and retirement planning. Betsy works with physicians and high earners.

### What credentials does Betsy Hutchins hold?

Betsy Hutchins holds the CFP and CRPC credentials.

### Is Betsy Hutchins registered with the SEC?

Yes. Betsy Hutchins is registered as an investment adviser representative in TN and TX (CRD 7498171), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Forward Financial Planning manage?

Forward Financial Planning reports $3.7M across 25 accounts in assets under management.

### How do I contact Betsy Hutchins?

Through Betsy Hutchins's website, fwdfp.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/betsy-hutchins-91263): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.fwdfp.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.