# Philip Rutterer

> Philip Rutterer is a fee-only financial advisor at Rutterer Planning, LLC in Nashville, Tennessee, who holds the CFP and MBA credentials. Philip charges a percentage of assets, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $4,200 a year and one-time plans from $1,000) and focuses on estate & legacy planning, retirement planning and tax planning.

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

## Facts

- **Firm:** Rutterer Planning, LLC
- **Based in:** Nashville, Tennessee
- **Fee model:** Percentage of assets; Ongoing planning fee; One-time planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $4,200 a year; one-time plans from $1,000; $250 an hour; 0.7% a year on the first tier of assets managed
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $15.7M across 51 accounts
- **Credentials:** CFP, MBA
- **Specialties:** Estate & legacy planning, Retirement planning, Tax planning
- **Works with:** High earners
- **CRD:** 5281557 (https://adviserinfo.sec.gov/individual/summary/5281557)
- **SEC registration:** Investment adviser representative in TN
- **Exams passed:** Series 63 (2008), Series 65 (2017)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://ruttererplanning.com

## Frequently asked questions

### Is Philip Rutterer a fee-only financial advisor?

Yes. Philip Rutterer 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 Philip's firm.

### How does Philip charge for financial advice?

Philip charges a percentage of assets, an ongoing planning fee, a one-time planning fee and hourly fees.

### How much does Philip charge?

According to Rutterer Planning, LLC's website, checked October 28, 2026: ongoing planning from $4,200 a year; one-time plans from $1,000; $250 an hour; 0.7% a year on the first tier of assets managed.

### Does Philip work with clients virtually?

Yes. Rutterer Planning, LLC says on its website that it works with clients remotely.

### Where is Philip Rutterer based?

Philip Rutterer is based in Nashville, Tennessee.

### What does Philip specialize in?

Philip's specialties include estate & legacy planning, retirement planning and tax planning. Philip works with high earners.

### What credentials does Philip Rutterer hold?

Philip Rutterer holds the CFP and MBA credentials.

### Is Philip Rutterer registered with the SEC?

Yes. Philip Rutterer is registered as an investment adviser representative in TN (CRD 5281557), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Rutterer Planning, LLC manage?

Rutterer Planning, LLC reports $15.7M across 51 accounts in assets under management.

### How do I contact Philip Rutterer?

Through Philip's website, ruttererplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/47481): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: 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://ruttererplanning.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.