# Chad Gammon > Chad Gammon is a fee-only financial advisor at Custom Fit Financial LLC in Cedar Rapids, Iowa, who holds the CFP, EA and MBA credentials. Chad charges a subscription, a one-time planning fee and hourly fees (ongoing planning from $3,600 a year and $300 an hour) and focuses on retirement planning and tax planning. Page: https://find.wellspent.co/advisors/chad-gammon/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** Custom Fit Financial LLC - **Based in:** Cedar Rapids, Iowa - **Fee model:** Subscription; One-time planning fee; Hourly - **Fees (firm's website):** ongoing planning from $3,600 a year; $300 an hour; no asset minimum - **Fees (Advice-Only Network profile):** subscription $300 a month; subscription $900 a quarter; subscription $3,600 a year; one-time plans $3,600; $300 an hour - **Works virtually:** Yes (firm's website) - **Accepting new clients:** Yes (firm's website) - **Credentials:** CFP, EA, MBA, RICP - **Specialties:** Retirement planning, Tax planning - **Works with:** Pre-retirees, Tech employees, Retirees - **CRD:** 7646246 (https://adviserinfo.sec.gov/individual/summary/7646246) - **SEC registration:** Investment adviser representative in IA - **Exams passed:** Series 65 (2022) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** https://customfitfinancial.com ## About Chad Gammon, CFP®, RICP® and EA, founded Custom Fit Financial, an advice-only, fee-only firm in Cedar Rapids, Iowa. After more than 25 years in information technology, much of it in leadership, he found his most rewarding work was mentoring others on money and careers. Chad works with individuals and families with a net worth of $2 million or less, people larger firms often overlook. His services include budgeting, cash flow, insurance reviews, tax strategy and retirement planning, shaped to each client's situation. As a CFP® professional and Enrolled Agent, he handles complex tax and planning questions, and he is a member of XY Planning Network, NAPFA and the Fee-Only Network. He aims to act in clients' best interests and be open about any potential conflicts. ## Frequently asked questions ### Is Chad Gammon a fee-only financial advisor? Yes. Chad Gammon is listed in the NAPFA directory (NAPFA admits only fee-only advisors), the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Chad's firm. ### How does Chad charge for financial advice? Chad charges a subscription, a one-time planning fee and hourly fees. ### How much does Chad charge? According to Custom Fit Financial LLC's website, checked October 28, 2026: ongoing planning from $3,600 a year; $300 an hour; no asset minimum. ### Does Chad work with clients virtually? Yes. Custom Fit Financial LLC says on its website that it works with clients remotely. ### Where is Chad Gammon based? Chad Gammon is based in Cedar Rapids, Iowa. ### What does Chad specialize in? Chad's specialties include retirement planning and tax planning. Chad works with pre-retirees, tech employees and retirees. ### What credentials does Chad Gammon hold? Chad Gammon holds the CFP, EA, MBA and RICP credentials. ### Is Chad Gammon registered with the SEC? Yes. Chad Gammon is registered as an investment adviser representative in IA (CRD 7646246), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How do I contact Chad Gammon? Through Chad's website, customfitfinancial.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/51796): NAPFA admits only fee-only advisors - XY Planning Network directory listing: XYPN members are fee-only - Advice-Only Network listing: advice-only practices, no product sales - SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026 - The firm's website (https://customfitfinancial.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.