Michelle Vargas
Waymaker Financial Planning · Fort Worth, Texas
Michelle Vargas is a fee-only financial advisor at Waymaker Financial Planning in Fort Worth, Texas, who holds the CFP credential. Michelle charges hourly fees, a one-time planning fee and an ongoing planning fee (ongoing planning from $6,000 a year and one-time plans from $900) and focuses on retirement planning, tax planning and sustainable & impact investing.
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Specialties
Who they serve
- Retirees
- Pre-retirees
Facts
| Firm | Waymaker Financial Planning |
|---|---|
| Based in | Fort Worth, Texas |
| Fee model | Hourly · One-time planning fee · Ongoing planning fee |
| Fees (firm's website) | Ongoing planning from $6,000 a year · One-time plans from $900 · $300 an hour · Typically works with clients with $750,000 or more |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $3.6M across 11 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in TX · CRD 2441702 |
| Exams passed | Series 63 (1994) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | waymakerfp.com |
| Profile |
How Michelle's firm compares
- Ongoing planning starts at $6,000 a year, above the Texas median of $3,000 for fee-only firms that publish prices.
- A one-time plan starts at $900, below the Texas median of $1,575 for fee-only firms that publish prices.
- The hourly rate is $300, above the Texas median of $250 for fee-only firms that publish prices.
- Waymaker Financial Planning's average account is about $329,000, from its Form ADV (assets managed divided by 11 accounts).
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Questions about Michelle
Is Michelle Vargas a fee-only financial advisor?
Yes. Michelle Vargas 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 Michelle's firm.
How does Michelle charge for financial advice?
Michelle charges hourly fees, a one-time planning fee and an ongoing planning fee.
How much does Michelle charge?
According to Waymaker Financial Planning's website, checked October 28, 2026: ongoing planning from $6,000 a year; one-time plans from $900; $300 an hour; typically works with clients with $750,000 or more.
Does Michelle work with clients virtually?
Yes. Waymaker Financial Planning says on its website that it works with clients remotely.
Where is Michelle Vargas based?
Michelle Vargas is based in Fort Worth, Texas.
What does Michelle specialize in?
Michelle's specialties include retirement planning, tax planning and sustainable & impact investing. Michelle works with retirees and pre-retirees.
What credentials does Michelle Vargas hold?
Michelle Vargas holds the CFP credential.
Is Michelle Vargas registered with the SEC?
Yes. Michelle Vargas is registered as an investment adviser representative in TX (CRD 2441702), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Waymaker Financial Planning manage?
Waymaker Financial Planning reports $3.6M across 11 accounts in assets under management.
How do I contact Michelle Vargas?
Through Michelle's website, waymakerfp.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Other fee-only advisors in Fort Worth
Other advisors in Texas who focus on retirement planning
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Waymaker Financial Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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