# Michael Dunlop

> Michael Dunlop is a fee-only financial advisor at Ignite Financial in Cedar Falls, Iowa, who holds the CFP credential. Michael charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $6,500 a year and one-time plans from $5,000) and focuses on flat-fee planning, retirement planning and tax planning.

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

## Facts

- **Firm:** Ignite Financial
- **Based in:** Cedar Falls, Iowa
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $6,500 a year; one-time plans from $5,000; $350 an hour
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP
- **Specialties:** Flat-fee planning, Retirement planning, Tax planning, Estate & legacy planning
- **Works with:** Pre-retirees
- **CRD:** 6638614 (https://adviserinfo.sec.gov/individual/summary/6638614)
- **SEC registration:** Investment adviser representative in IA
- **Exams passed:** Series 65 (2015)
- **Disclosures:** None reported
- **Website:** http://igniteplanning.com

## Frequently asked questions

### Is Michael Dunlop a fee-only financial advisor?

Yes. Michael Dunlop is listed in 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 Michael's firm.

### How does Michael charge for financial advice?

Michael charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees.

### How much does Michael charge?

According to Ignite Financial's website, checked October 28, 2026: ongoing planning from $6,500 a year; one-time plans from $5,000; $350 an hour.

### Where is Michael Dunlop based?

Michael Dunlop is based in Cedar Falls, Iowa.

### What does Michael specialize in?

Michael's specialties include flat-fee planning, retirement planning, tax planning and estate & legacy planning. Michael works with pre-retirees.

### What credentials does Michael Dunlop hold?

Michael Dunlop holds the CFP credential.

### Is Michael Dunlop registered with the SEC?

Yes. Michael Dunlop is registered as an investment adviser representative in IA (CRD 6638614), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How do I contact Michael Dunlop?

Through Michael's website, igniteplanning.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/michael-dunlop-10638): 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.igniteplanning.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.