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Who they serve

Fee-only advisors for pre-retirees

Pre-retirees, typically five to ten years from exit, are running the last big wave of planning: Roth conversion window, late-career savings catchup, pre-Medicare healthcare bridging, concentrated-position unwinds, and the first long-term drawdown model.

By the numbers

The Wellspent public graph lists 2,926 fee-only financial advisors who work with pre-retirees at 1,343 firms, most in Houston, San Diego and Charlotte. 52% hold the CFP certification. Of the 2916 with fees on file, 87% charge percentage of assets.

Advisors listed
2,926
Firms
1,343
Cities
845
Hold the CFP
52%
  • Other credentials: CFA 8% · CPA 2% · EA 2%
  • How they charge (of 2916 with fees on file): percentage of assets 87% · fixed fees 41% · hourly 38% · ongoing planning fee 17%

Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology

Advisors who work with pre-retirees

Fee-only advisors who work with pre-retirees: advisor, firm, city, credentials, and fees
AdvisorFirmCityCredentialsFees
Joshua Cutler Bluestem Financial Advisors Savoy CFP Ongoing planning fee
Joshua Hill Keen Wealth Advisors Overland Park CFP Percentage of assets, Hourly
Joshua Jenkins Seaside Wealth Advisors Mechanicsburg ChFC Percentage of assets, Hourly
Joshua Mangoubi Considerate Capital Northbrook CFA Percentage of assets, Ongoing planning fee
Justin Lester Allied Investments Johnson City CFP Percentage of assets, Hourly
Justin Ramirez Business appraisals to help owners plan their next move Insight Valuations, LLC Houston CFA Flat fee or retainer, Hourly
Karen Oeser Means Wealth Management Bangor CFA Percentage of assets, Flat fee or retainer
Kathryn Kokenge TrueWealth Financial Partners San Diego Bellevue CFP, CFA Percentage of assets, Fixed fees
Kayla Fernandez California Financial Advisors San Ramon CFP Percentage of assets, Ongoing planning fee
Kenneth Kneale Arcadian Financial Services San Diego CFP Hourly, One-time planning fee
Kevin Apolinar Financial planner for Christians Behavior Shift Murrieta Not listed One-time planning fee, Subscription
Kevin Spires Bellaire Capital Management Bellaire CFA Percentage of assets, Hourly
Kevin Tucker ProActive Capital Management Topeka CFP Percentage of assets, Hourly
Kirt Rezek Professional Financial Management Appleton CFP Percentage of assets, Hourly
Kirti Bhanushali Dversify Georgetown Not listed Ongoing planning fee
Kory Lackey Cloud Capital Management Seattle Not listed Percentage of assets
Kristy Groth Precedent Wealth Partners Spring Not listed Percentage of assets
Kyle Smith Precedent Wealth Partners Houston Not listed Percentage of assets
Laura Bruce Alaska Wealth Advisors Anchorage CFP, ChFC Percentage of assets, One-time planning fee
Laurie Klein Kaizen Financial Advisors Kirkland CFP Percentage of assets, Hourly
Lisa Brummett Keen Wealth Advisors Overland Park CFP Percentage of assets, Hourly
Locke Bielefeldt Willamette Wealth Partners Eugene CFP Percentage of assets
Lucas Kuchenberg FORM Wealth Advisors Lake Geneva CFP Percentage of assets
Lucas Mansberger Breakwater Capital Kalamazoo CFP, CFA Percentage of assets, Hourly
Lucy Valandra Copper Beech Wealth Management Mansfield CFP Percentage of assets, Flat fee or retainer
Madeline Williams California Financial Advisors San Ramon CFP Percentage of assets, Ongoing planning fee
Manuel Ortiz Aquino Occidental Asset Management Burlingame Not listed Ongoing planning fee
Mariah Champness Christian Financial Advisors® New Braunfels Not listed Percentage of assets
Mark Pitre California Financial Advisors San Ramon CFP Percentage of assets, Ongoing planning fee
Mark Vanderlinden Professional Financial Management Appleton CFP Percentage of assets, Hourly
Mary Van Nostrand Van Nostrand Wealth Management San Diego CFP Flat fee or retainer
Matt Morizio We help high capacity families align money with purpose so it fuels their mission.” Reconstructing Wealth Daniel Island Not listed Percentage of assets, Flat fee or retainer
Matthew Knell Alaska Wealth Advisors Anchorage CFP Percentage of assets, One-time planning fee
Matthew Knuth Stordahl Capital Management Greenwood Village CFP Percentage of assets, Hourly
Matthew Mathiesen Integrity Wealth Management Eugene CFP Percentage of assets, Fixed fees
Matthew Miller Keen Wealth Advisors Overland Park CFP Percentage of assets, Hourly
Maynard Keller American Financial Planning Roanoke CFP Flat fee or retainer, One-time planning fee
Megan Miller Towerpoint Wealth Sacramento Not listed Percentage of assets, One-time planning fee
Meghan Muñoz Alaska Wealth Advisors Anchorage CFP Percentage of assets, One-time planning fee
Michael Aboussie Next Level Wealth Planning Meridian CFP Percentage of assets, Hourly
Michael Bechtold Hager Investment Management Services New London Not listed Percentage of assets
Michael Bernstein Lionshead Wealth Management New York CFP Percentage of assets, Fixed fees
Michael Canzone Canter Wealth La Jolla CFP Percentage of assets, Fixed fees
Michael Ehlenbeck CORE Wealth Advisors Lakeland CFP Percentage of assets, Hourly
Michael Foster Dolan Capital Advisors Charlotte CFP, CFA Percentage of assets, Hourly
Michael Giblin Dovetail Financial Wilmington CFP Ongoing planning fee
Michael Harris Bluerock Financial Services Williamsburg CFP Percentage of assets, Hourly
Michael Lemich RFG Wealth Advisory Argyle CFP Percentage of assets, Fixed fees
Michael Maloon California Financial Advisors San Ramon CFP, ChFC Percentage of assets, Ongoing planning fee
Michael Smurl Integrity Financial Planning Houston CFA Percentage of assets

Guides

Related lists

Specialties that serve pre-retirees