# Philip Murphy > Philip Murphy is a fee-only financial advisor at IndiePlan LLC in Albany, New York, who holds the CFP and CFA credentials. Philip charges a subscription, a one-time planning fee and hourly fees (ongoing planning from $2,620 a year and one-time plans from $3,300) and focuses on retirement planning, tax planning and estate & legacy planning. Page: https://find.wellspent.co/advisors/philip-murphy/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** IndiePlan LLC - **Based in:** Albany, New York - **Fee model:** Subscription; One-time planning fee; Hourly - **Fees (firm's website):** ongoing planning from $2,620 a year; one-time plans from $3,300; $330 an hour - **Fees (Advice-Only Network profile):** subscription from $4,290 a year; one-time plans from $4,620; $330 an hour - **Works virtually:** Yes (Advice-Only Network profile) - **Accepting new clients:** Yes (Advice-Only Network profile) - **Credentials:** CFP, CFA - **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Flat-fee planning - **Works with:** Pre-retirees, Retirees, High earners, Early-career professionals - **CRD:** 2168742 (https://adviserinfo.sec.gov/individual/summary/2168742) - **SEC registration:** Investment adviser representative in NY, TX - **Exams passed:** Series 63 (1991) - **Firm size:** 1 employee - **Disclosures:** None reported - **Website:** https://indieplan.com ## About Philip Murphy is the founder and principal advisor of IndiePlan™, a fee-only, advice-only planning firm. A CFP® practitioner and CFA® charterholder, he provides independent, holistic advice and education as a fiduciary, aiming to offer good advice at a fair price that supports each client's purpose in life. Philip came to advising after thirty years in financial services. He was Head of Index Governance and Chairman of the US Index Committee at S&P Dow Jones Indices, overseeing benchmarks such as the S&P 500®. Earlier he designed indexes, assisted asset management firms and worked on a portfolio management team serving institutional clients. He helps people save, invest and plan ahead, and supports them through transitions such as retirement, a health challenge, a second career, a new business, further education or an extended leave. He tries to meet each client where they are. ## Frequently asked questions ### Is Philip Murphy a fee-only financial advisor? Yes. Philip Murphy is listed in the XY Planning Network directory (XYPN members are fee-only) and the Advice-Only Network (advice-only practices, no product sales). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Philip's firm. ### How does Philip charge for financial advice? Philip charges a subscription, a one-time planning fee and hourly fees. ### How much does Philip charge? According to IndiePlan LLC's website, checked October 28, 2026: ongoing planning from $2,620 a year; one-time plans from $3,300; $330 an hour. ### Does Philip work with clients virtually? Yes. Philip's Advice-Only Network profile says they meet with clients virtually. ### Where is Philip Murphy based? Philip Murphy is based in Albany, New York. ### What does Philip specialize in? Philip's specialties include retirement planning, tax planning, estate & legacy planning and flat-fee planning. Philip works with pre-retirees, retirees, high earners and early-career professionals. ### What credentials does Philip Murphy hold? Philip Murphy holds the CFP and CFA credentials. ### Is Philip Murphy registered with the SEC? Yes. Philip Murphy is registered as an investment adviser representative in NY and TX (CRD 2168742), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How do I contact Philip Murphy? Through Philip's website, indieplan.com. ## Sources - XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/philip-murphy-35962): XYPN members are fee-only - Advice-Only Network listing: advice-only practices, no product sales - 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.indieplan.com/): specialties, clients served, and fees, checked October 28, 2026 --- Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.