# Lynn Phillips-Gaines

> Lynn Phillips-Gaines is a fee-only financial advisor at Phillips Wealth Planners in Starkville, Mississippi, who holds the CFP credential. Phillips Wealth Planners reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/lynn-phillips-gaines/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Phillips Wealth Planners
- **Based in:** Starkville, Mississippi
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $340.8M across 2,986 accounts
- **Credentials:** CFP
- **CRD:** 1035514 (https://adviserinfo.sec.gov/individual/summary/1035514)
- **SEC registration:** Investment adviser representative in MS
- **Exams passed:** Series 63 (1985)
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** https://phillipsfinancial.org

## Frequently asked questions

### Is Lynn Phillips-Gaines a fee-only financial advisor?

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

### How does Lynn charge for financial advice?

Lynn's firm, Phillips Wealth Planners, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Lynn Phillips-Gaines based?

Lynn Phillips-Gaines is based in Starkville, Mississippi.

### What credentials does Lynn Phillips-Gaines hold?

Lynn Phillips-Gaines holds the CFP credential.

### Is Lynn Phillips-Gaines registered with the SEC?

Yes. Lynn Phillips-Gaines is registered as an investment adviser representative in MS (CRD 1035514), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Phillips Wealth Planners manage?

Phillips Wealth Planners reports $340.8M across 2,986 accounts in assets under management.

### How do I contact Lynn Phillips-Gaines?

Through Lynn's website, phillipsfinancial.org.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1035514): 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

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