# Kristin Ramsay

> Kristin Ramsay is a fee-only financial advisor at truNorth™ Financial Services in Chambersburg, Pennsylvania. Kristin focuses on retirement planning. truNorth™ Financial Services reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

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

## Facts

- **Firm:** truNorth™ Financial Services
- **Based in:** Chambersburg, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $309.5M across 1,252 accounts
- **Specialties:** Retirement planning
- **Works with:** Retirees, High earners, Pre-retirees, Founders
- **CRD:** 7544286 (https://adviserinfo.sec.gov/individual/summary/7544286)
- **SEC registration:** Investment adviser representative in PA
- **Exams passed:** Series 65 (2022)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://trunorthfs.com/

## Frequently asked questions

### Is Kristin Ramsay a fee-only financial advisor?

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

### How does Kristin charge for financial advice?

Kristin's firm, truNorth™ Financial Services, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Kristin Ramsay based?

Kristin Ramsay is based in Chambersburg, Pennsylvania.

### What does Kristin specialize in?

Kristin's specialties include retirement planning. Kristin works with retirees, high earners, pre-retirees and founders.

### Is Kristin Ramsay registered with the SEC?

Yes. Kristin Ramsay is registered as an investment adviser representative in PA (CRD 7544286), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does truNorth™ Financial Services manage?

truNorth™ Financial Services reports $309.5M across 1,252 accounts in assets under management.

### How do I contact Kristin Ramsay?

Through Kristin's website, trunorthfs.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7544286): 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://trunorthfs.com/): 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.