# Steven Fox > Steven Fox is a fee-only financial advisor at AdviceOnly in San Diego, California, who holds the CFP, EA and BFA credentials. Steven charges a subscription, a one-time planning fee and hourly fees and focuses on tax planning, estate & legacy planning and retirement planning. Page: https://find.wellspent.co/advisors/steven-fox/ Built from public directory listings; last checked April 21, 2026. ## Facts - **Firm:** AdviceOnly - **Based in:** San Diego, California - **Fee model:** Subscription; One-time planning fee; Hourly - **Works virtually:** Yes (Advice-Only Network profile) - **Accepting new clients:** Not currently (Advice-Only Network profile) - **Credentials:** CFP, EA, BFA, MS - **Specialties:** Tax planning, Estate & legacy planning, Retirement planning, Student loans - **Works with:** Early-career professionals - **CRD:** 6379590 (https://adviserinfo.sec.gov/individual/summary/6379590) - **SEC registration:** Investment adviser representative in CA, PA, TX, WA - **Exams passed:** Series 65 (2016) - **Firm size:** 6 employees - **Disclosures:** None reported - **Website:** https://adviceonly.com ## About Steven Fox is a CFP® professional and former Marine who founded Next Gen Financial Planning to serve clients the profession often overlooks, helping hundreds of people with their financial and life decisions. He passed Next Gen to its team in 2024 and now leads AdviceOnly, which helps advisors work on an advice-only model, without selling products or managing investments, and without having to start their own RIA. Steven came to planning after the military and San Diego State University, wanting meaningful work, a career in finance and room for his side businesses. He credits mentors who taught him to listen first, think like a business owner and lean on community. He isn't taking new ongoing planning clients but still takes occasional small hourly projects. He is married with two kids and likes experimenting with vegan curry recipes. ## Frequently asked questions ### Is Steven Fox a fee-only financial advisor? Yes. Steven Fox is listed in the NAPFA directory (NAPFA admits only fee-only advisors), 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 Steven's firm. ### How does Steven charge for financial advice? Steven charges a subscription, a one-time planning fee and hourly fees. ### Does Steven work with clients virtually? Yes. Steven's Advice-Only Network profile says they meet with clients virtually. ### Where is Steven Fox based? Steven Fox is based in San Diego, California. ### What does Steven specialize in? Steven's specialties include tax planning, estate & legacy planning, retirement planning and student loans. Steven works with early-career professionals. ### What credentials does Steven Fox hold? Steven Fox holds the CFP, EA, BFA and MS credentials. ### Is Steven Fox registered with the SEC? Yes. Steven Fox is registered as an investment adviser representative in CA, PA, TX and WA (CRD 6379590), per SEC Investment Adviser Public Disclosure data as of October 27, 2026. ### How do I contact Steven Fox? Through Steven's website, adviceonly.com. ## Sources - NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/52238): NAPFA admits only fee-only advisors - XY Planning Network directory listing: 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://adviceonly.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.