Matthew Etzler

At Etzler Financial Advisors, we believe financial planning should be transparent, accessible, and focused entirely on your best interests. As a fee-only fiduciary firm, we do not sell products, earn commissions, or charge fees based on your assets. Instead, we provide advice-only services on a time-based model. This means you get comprehensive, conflict-free guidance tailored to your situation—not a sales pitch or a “one-size-fits-all” strategy.

Our work begins with a deep dive into your full financial picture—retirement readiness, tax planning, Social Security and pension decisions, estate planning, investments, insurance, and cash flow management. We then help you prioritize what matters most and design strategies to move you toward your goals. Because your needs may change over time, we stay by your side as a resource, available when you need us, for ongoing advice, course corrections, and peace of mind. Our approach is “strategy before structure,” ensuring that every recommendation is built on a clear understanding of your values, objectives, and circumstances.

With more than 30 years of experience and a strong commitment to fiduciary standards, Etzler Financial Advisors serves individuals, couples, and families who want unbiased, professional guidance without the hidden costs or conflicts of traditional asset-based models. Whether you are approaching retirement, navigating tax-efficient distribution strategies, evaluating investment options, or simply looking for clarity in your financial life, we provide the expertise, structure, and support to help you make informed decisions with confidence.