# Janice Fier

> Janice Fier is a fee-only financial advisor at Couloir Wealth Advisors, Inc. in Welch, Minnesota, who holds the CFP credential. Janice charges hourly fees, a one-time planning fee, an ongoing planning fee and a percentage of assets and focuses on student loans, retirement planning and small business owners.

Page: https://find.wellspent.co/advisors/janice-fier/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Couloir Wealth Advisors, Inc.
- **Based in:** Welch, Minnesota
- **Fee model:** Hourly; One-time planning fee; Ongoing planning fee; Percentage of assets
- **Assets under management (firm):** $5.3M across 13 accounts
- **Credentials:** CFP
- **Specialties:** Student loans, Retirement planning, Small business owners, Sustainable & impact investing
- **CRD:** 6239534 (https://adviserinfo.sec.gov/individual/summary/6239534)
- **SEC registration:** Investment adviser representative in MN
- **Exams passed:** Series 65 (2016)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://couloirwealth.com

## Frequently asked questions

### Is Janice Fier a fee-only financial advisor?

Yes. Janice Fier is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and 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 Janice's firm.

### How does Janice charge for financial advice?

Janice charges hourly fees, a one-time planning fee, an ongoing planning fee and a percentage of assets.

### Where is Janice Fier based?

Janice Fier is based in Welch, Minnesota.

### What does Janice specialize in?

Janice's specialties include student loans, retirement planning, small business owners and sustainable & impact investing.

### What credentials does Janice Fier hold?

Janice Fier holds the CFP credential.

### Is Janice Fier registered with the SEC?

Yes. Janice Fier is registered as an investment adviser representative in MN (CRD 6239534), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Couloir Wealth Advisors, Inc. manage?

Couloir Wealth Advisors, Inc. reports $5.3M across 13 accounts in assets under management.

### How do I contact Janice Fier?

Through Janice's website, couloirwealth.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/48797): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: 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.couloirwealth.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.