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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
846
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
Scott Grissom Socrates Financial Planning LLC Jenison CFP Flat fee or retainer, One-time planning fee
Sean Dwyer Overture Wealth Management LLC Conshohocken CFP, CFA, EA Flat fee or retainer, Ongoing planning fee
Seth Shepherd "Financial Advisor" didn't make sense to us, so we built Pillar Wealth to reflect people in 2026 instead of 1990. Don't be stuck in the past with an old, outdated formula that incentivizes laziness. Avoid any AUM model. Avoid someone labeled "Financial Advisor" who sells products like insurance. Pillar Wealth Franklin CFP Hourly, One-time planning fee
Shannon Grey InvestEdge Planning San Diego CFP, CRPC Percentage of assets, Flat fee or retainer
Shar-Né Warren Financial Excavation Plano CFP, CRPC Flat fee or retainer, Hourly
Stephen Boatman Flat Fee Financial LLC Charlotte CFP Flat fee or retainer
Steven Neeley Fortress Capital Advisors Carmel CFP, MBA Percentage of assets, One-time planning fee
Susan Peck Evolution Financial LLC Madison CFP, RLP Percentage of assets
Thomas Knowlton Luminvest Wealth Management LLC Scottsdale CFP, CTFA, MBA Percentage of assets
Thomas Mclean Altruist Wealth Management Charlotte CFP, MBA Flat fee or retainer, Ongoing planning fee
Tim Carpenter Rhodo Wealth Management Geneva CFP One-time planning fee, Percentage of assets
Tina Mistry Portfolio Advisors, Inc Fresno CFP Percentage of assets
Tom Duffy Jersey Shore Financial Advisors LLC Red Bank CFP, CDFA, MBA, CRPC Flat fee or retainer, Ongoing planning fee
Tom Poltersdorf Jr GT Wealth Lebanon CFP Percentage of assets, Flat fee or retainer
Tracy Sherwood Sherwood Financial Management Williamsville CFP Ongoing planning fee, One-time planning fee
Travis Allen Fiduciary Financial Planning & Investment Management. Custom Wealth Planners Ankeny CFA, CFP, RICP Percentage of assets, One-time planning fee
Trent White Luminvest Wealth Management LLC Scottsdale CFP, JD Percentage of assets
Tyler Smith BBK Wealth Management Fishers CFP, M.Ed. Percentage of assets, Hourly
Zach Reyes Circadia Financial Planning Westlake CFP Percentage of assets, Ongoing planning fee
Alex Perkins Perkins Wealth Advantage, LLC. Fishers CFP Percentage of assets, Fixed fees
Allen Mueller 7 Saturdays Financial Richardson CFA, CFP, MBA Flat fee or retainer, Ongoing planning fee
Allison Meers Pebble Valley Wealth Management Western Springs CFP, CFA Percentage of assets, Flat fee or retainer
Anandi Krishnamurthy AKrish Financial Advisory Cupertino CFP Hourly, One-time planning fee
Andy Panko Tenon Financial Metuchen CFP, RICP, TPCP, EA Flat fee or retainer, Ongoing planning fee
Angela Wetzig Sage Wealth Consulting, LLC Sarasota CFP Percentage of assets
Ann Minnium Concierge Financial Planning, LLC Margate City CFP Hourly, One-time planning fee
Anthony Watson Thrive Retirement Specialists Dearborn CFP, CFA, RICP, MBA Flat fee or retainer
Arielle Bittoni Good Balance Financial Planning Los Angeles BA, CFA, CFP Percentage of assets, Ongoing planning fee
Ayana Forward Retirement in View Ottawa CFP One-time planning fee, Ongoing planning fee
Ben Raikes Mason & Associates, LLC Newport News CFP, CPA, CPA/PFS, Master of Science Accounting Ongoing planning fee
Ben Smith Cove Financial Planning, LLC Milwaukee CFP, Chartered SRI Counselor Percentage of assets, Ongoing planning fee
Benjamin Geiger Simplified Planning Johnston CFP Ongoing planning fee, Percentage of assets
Blair Garner Garner Financial Management Franklin CFA, CFP, MS Percentage of assets
Bradley Clark Clark Asset Management, LLC Radnor CFP, MBA, RICP Flat fee or retainer, Ongoing planning fee
Brandon Renfro Belonging Wealth Management Longview CFP, EA, RICP Percentage of assets
Brent Hoskins Focal Point Financial Group Prairie Village CFP, RICP, CKA Ongoing planning fee, One-time planning fee
Brett Koeppel Eudaimonia Wealth LLC Buffalo CFP Percentage of assets
Brett Polzin Eight Peaks Wealth Management Parker CFP, EA Percentage of assets, Flat fee or retainer
Brian Clarke Clarke Financial Counsel, LLC Whitefish Bay CFP Hourly, One-time planning fee
Brian Face Face 2 Face Financial Planning Portage CFP Percentage of assets, Hourly
Brittany Ringo Autumn Financial Advisors, LLC Plymouth CFP Percentage of assets, Hourly
Caleb Pepperday Advanced Practice Planning, LLC Missoula CFP, ChFC Ongoing planning fee
Cameron Brady Michael Brady & Co., LLC Westlake CFP, MBA Percentage of assets
Carol Somoano Asset Planning Los Alamitos CFP, MBA Percentage of assets, One-time planning fee
Carrie Houchins-Witt Carrie Houchins-Witt Tax & Financial Services LLC Coralville CFP, EA, RICP Hourly, Flat fee or retainer
Cecil Staton Arch Financial Planning, LLC Athens CFP Percentage of assets
Chad Chase CGN Advisors, LLC Brooklyn CFP, MBA, CFA, BA Ongoing planning fee
Chad Lawyer Life Strategy Partners Tucson CFP, RICP Percentage of assets, Ongoing planning fee
Chelsea Ransom-Cooper Zenith Wealth Partners provides a flexible retirement planning and investment management approach that inspires our clients to take financial action. Zenith Wealth Partners Philadelphia CFP Percentage of assets, Flat fee or retainer
Chris Ferris Ryan Lamontagne Inc. Ottawa CFP, CFA One-time planning fee, Percentage of assets

Guides

Related lists

Specialties that serve pre-retirees