# Gabrielle Fitzwater

> Gabrielle Fitzwater is a fee-only financial advisor at Dwyer Financial in Flagstaff, Arizona. Gabrielle focuses on retirement planning, pension planning and tax planning. Dwyer Financial reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/gabrielle-fitzwater/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Dwyer Financial
- **Based in:** Flagstaff, Arizona
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Fees (firm's website):** no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $53.6M across 230 accounts
- **Specialties:** Retirement planning, Pension planning, Tax planning, Estate & legacy planning, Divorce financial planning
- **CRD:** 7921856 (https://adviserinfo.sec.gov/individual/summary/7921856)
- **SEC registration:** Investment adviser representative in AZ
- **Exams passed:** Series 65 (2024)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://www.dwyerfinancial.net

## Frequently asked questions

### Is Gabrielle Fitzwater a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Gabrielle holds no broker registration, and Dwyer Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Gabrielle charge for financial advice?

Gabrielle's firm, Dwyer Financial, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### How much does Gabrielle charge?

According to Dwyer Financial's website, checked October 30, 2026: no asset minimum.

### Where is Gabrielle Fitzwater based?

Gabrielle Fitzwater is based in Flagstaff, Arizona.

### What does Gabrielle specialize in?

Gabrielle's specialties include retirement planning, pension planning, tax planning, estate & legacy planning and divorce financial planning.

### Is Gabrielle Fitzwater registered with the SEC?

Yes. Gabrielle Fitzwater is registered as an investment adviser representative in AZ (CRD 7921856), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Dwyer Financial manage?

Dwyer Financial reports $53.6M across 230 accounts in assets under management.

### How do I contact Gabrielle Fitzwater?

Through Gabrielle's website, www.dwyerfinancial.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7921856): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://dwyerfinancial.net/): specialties, clients served, and fees, checked October 30, 2026

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