# Financial advisors for retirees in Tennessee > For retirees in Tennessee, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Kevin Lao of Imagine Financial Security, Robert DeLucas of Afton Advisors, LLC and Philip Dortch of Aspire Private Wealth Counsel. Page: https://find.wellspent.co/audiences/retirees/tennessee/ 74 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a retiree in Tennessee? For retirees in Tennessee, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Kevin Lao of Imagine Financial Security, Robert DeLucas of Afton Advisors, LLC and Philip Dortch of Aspire Private Wealth Counsel. - [Kevin Lao](https://find.wellspent.co/advisors/kevin-lao/), Imagine Financial Security, Chattanooga. Holds the RICP and CFP. Fees on file: percentage of assets. - [Robert DeLucas](https://find.wellspent.co/advisors/robert-delucas/), Afton Advisors, LLC, Nashville. Holds the RICP and CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Philip Dortch](https://find.wellspent.co/advisors/philip-dortch/), Aspire Private Wealth Counsel, Knoxville. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Kyle Kuyat](https://find.wellspent.co/advisors/kyle-kuyat/), Defining Wealth, Franklin. Holds the CFP. Fees on file: flat fee or retainer, one-time planning fee. - [Christopher Flis](https://find.wellspent.co/advisors/christopher-flis/), Resilient Asset Management, Memphis. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Roland McIntyre](https://find.wellspent.co/advisors/roland-mcintyre/), Mountaintop Wealth LLC, Chattanooga. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. ## How many fee-only financial advisors in Tennessee work with retirees? The Wellspent public graph lists 74 fee-only advisors for retirees in Tennessee, at 34 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in Tennessee located? Of the 74 fee-only advisors for retirees in Tennessee, 17 are in Memphis, followed by 13 in Knoxville and 11 in Franklin. ## How do fee-only advisors for retirees in Tennessee charge? The most common fee among fee-only advisors for retirees in Tennessee is a percentage of assets, used by 97% of the 74 with fees on file. Many use more than one: 65% charge by the hour and 43% charge fixed fees. ## How much do fee-only financial advisors charge in Tennessee? Fee-only financial advisors in Tennessee charge a median of $4,200 a year for ongoing planning. We found this across the published prices of 13 Tennessee firms. ## How much does a one-time financial plan cost in Tennessee? A one-time financial plan from a fee-only firm in Tennessee has a median price of $2,000. We found this across the published prices of 15 Tennessee firms. ## What credentials should a financial advisor for retirees have? For retirees, look for the RICP and CFP. In Tennessee, 46% of the 74 advisors listed hold the CFP. - RICP (3% of advisors listed): The RICP focuses on income in retirement. - CFP (46% of advisors listed): The CFP covers tax, insurance, and estate decisions together. ## How do Tennessee advisors for retirees compare with the rest of the US? 65% of fee-only advisors for retirees in Tennessee charge by the hour, compared with 41% of the 3,334 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Tennessee tax retirement income? No. Tennessee has no state income tax, so retirement account withdrawals and pensions aren't taxed at the state level. ## What should I ask a financial advisor as a retiree in Tennessee? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - Would you plan differently if I might move to another state in retirement? ## How current is this list of fee-only advisors for retirees in Tennessee? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Roland McIntyre](https://find.wellspent.co/advisors/roland-mcintyre.md) | Mountaintop Wealth LLC | Chattanooga, Tennessee | CFP, ChFC | Percentage of assets, One-time planning fee, Flat fee or retainer, Ongoing planning fee | | [Timothy Kirch](https://find.wellspent.co/advisors/timothy-kirch.md) | Nashville Financial Planning | Franklin, Tennessee | CFP | One-time planning fee, Ongoing planning fee | | [Blair Garner](https://find.wellspent.co/advisors/blair-garner.md) | Garner Financial Management | Franklin, Tennessee | CFA, CFP, MS | Percentage of assets | | [John Anderson](https://find.wellspent.co/advisors/john-anderson.md) | Cypress Wealth Management, LLC | Germantown, Tennessee | AIF, CFP | Percentage of assets, Flat fee or retainer, One-time planning fee | | [Kevin Lao](https://find.wellspent.co/advisors/kevin-lao.md) | Imagine Financial Security | Chattanooga, Tennessee | CFP, RICP | Percentage of assets | | [Robert DeLucas](https://find.wellspent.co/advisors/robert-delucas.md) | Afton Advisors, LLC | Nashville, Tennessee | CFP, ChFC, MBA, RICP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Justin Porter](https://find.wellspent.co/advisors/justin-porter.md) | Porter Wealth Management, LLC | Nashville, Tennessee | CFP, CPA/PFS, JD, CPA | Percentage of assets, Hourly, Fixed fees | | [Stacey Hyde](https://find.wellspent.co/advisors/stacey-hyde.md) | Envision Financial Planning, LLC | Memphis, Tennessee | CFA, CFP, CPA | Percentage of assets, Hourly | | [Carl von dem Bussche](https://find.wellspent.co/advisors/carl-von-dem-bussche.md) | Financial Guidance Group, Inc. | Franklin, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Christopher Flis](https://find.wellspent.co/advisors/christopher-flis.md) | Resilient Asset Management | Memphis, Tennessee | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee, Hourly, One-time planning fee | | [Kyle Kuyat](https://find.wellspent.co/advisors/kyle-kuyat.md) | Defining Wealth | Franklin, Tennessee | CFP | Flat fee or retainer, One-time planning fee, Percentage of assets, Hourly, Subscription | | [Austin McLaughlin](https://find.wellspent.co/advisors/austin-mclaughlin.md) | Retirement Planning Services | Knoxville, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Connor Cox](https://find.wellspent.co/advisors/connor-cox.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | CFP | Percentage of assets, Hourly | | [Jonathon Jordan](https://find.wellspent.co/advisors/jonathon-jordan.md) | Stone Pillars Wealth Management | Franklin, Tennessee | CFP | Percentage of assets, Hourly | | [Spencer Hall](https://find.wellspent.co/advisors/spencer-hall.md) | Retirement Planning Services | Knoxville, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [William McDonald](https://find.wellspent.co/advisors/william-mcdonald.md) | Retirement Planning Solutions | Nolensville, Tennessee | BS, CPA/PFS | Percentage of assets, Hourly | | [David Hodges](https://find.wellspent.co/advisors/david-hodges.md) | Integra Wealth | Chattanooga, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [David Scully](https://find.wellspent.co/advisors/david-scully.md) | Duncan Williams Asset Management | Memphis, Tennessee | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Erich von Geis](https://find.wellspent.co/advisors/erich-von-geis.md) | Aspire Private Wealth Counsel | Knoxville, Tennessee | CFP | Percentage of assets, One-time planning fee | | [Jacob Eason](https://find.wellspent.co/advisors/jacob-eason.md) | Duncan Williams Asset Management | Memphis, Tennessee | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [James Chaney](https://find.wellspent.co/advisors/james-chaney.md) | Duncan Williams Asset Management | Memphis, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [James Copper](https://find.wellspent.co/advisors/james-copper.md) | Skinner Copper & Ehmen | Monroe, Tennessee | CFP | Percentage of assets, Fixed fees | | [Kyle Gowen](https://find.wellspent.co/advisors/kyle-gowen.md) | Duncan Williams Asset Management | Memphis, Tennessee | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Peyton Wade](https://find.wellspent.co/advisors/peyton-wade.md) | Duncan Williams Asset Management | Memphis, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Philip Dortch](https://find.wellspent.co/advisors/philip-dortch.md) | Aspire Private Wealth Counsel | Knoxville, Tennessee | CFP | Percentage of assets, One-time planning fee | | [Brian Barthol](https://find.wellspent.co/advisors/brian-barthol.md) | William Howard & Co. Financial Advisors | Memphis, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [David Goodson](https://find.wellspent.co/advisors/david-goodson.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | CFA | Percentage of assets, Hourly | | [Heather Coulter](https://find.wellspent.co/advisors/heather-coulter.md) | William Howard & Co. Financial Advisors | Memphis, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [James Campbell](https://find.wellspent.co/advisors/james-campbell.md) | Campbell Asset Management | Chattanooga, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Loos](https://find.wellspent.co/advisors/jeffrey-loos.md) | Marsh Wealth Management | Knoxville, Tennessee | ChFC | Percentage of assets | | [Justin Lester](https://find.wellspent.co/advisors/justin-lester.md) | Allied Investments | Johnson City, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Cermak](https://find.wellspent.co/advisors/michael-cermak.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | CFA | Percentage of assets, Hourly | | [Neil Goodson](https://find.wellspent.co/advisors/neil-goodson.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | CFA | Percentage of assets, Hourly | | [William Howard](https://find.wellspent.co/advisors/william-howard.md) | William Howard & Co. Financial Advisors | Memphis, Tennessee | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Alexander Willard](https://find.wellspent.co/advisors/alexander-willard.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Beau Bushong](https://find.wellspent.co/advisors/beau-bushong.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Bryan Belew](https://find.wellspent.co/advisors/bryan-belew.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Derrik Hubbard](https://find.wellspent.co/advisors/derrik-hubbard.md) | Stewardship Solution | Germantown, Tennessee | CFP | Percentage of assets, Hourly, Fixed fees | | [Douglas Whitten](https://find.wellspent.co/advisors/douglas-whitten.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Hoy Grimm](https://find.wellspent.co/advisors/hoy-grimm.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [James Bertram](https://find.wellspent.co/advisors/james-bertram.md) | Baynes Investment Counsel | Franklin, Tennessee | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [James Proffitt](https://find.wellspent.co/advisors/james-proffitt.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | | Percentage of assets, Hourly | | [John Atkins](https://find.wellspent.co/advisors/john-atkins.md) | Integrity Capital Management | Kingsport, Tennessee | CFP | Percentage of assets, Hourly | | [Jonathan Dockery](https://find.wellspent.co/advisors/jonathan-dockery.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Joseph Bailey](https://find.wellspent.co/advisors/joseph-bailey.md) | Integrity Capital Management | Kingsport, Tennessee | CFP | Percentage of assets, Hourly | | [Kaitlin Jordan](https://find.wellspent.co/advisors/kaitlin-jordan.md) | Stone Pillars Wealth Management | Franklin, Tennessee | | Percentage of assets, Hourly | | [Kevin Painter](https://find.wellspent.co/advisors/kevin-painter.md) | LeConte Wealth | Maryville, Tennessee | | Percentage of assets | | [Matthew Fox](https://find.wellspent.co/advisors/matthew-fox.md) | Ithaca Wealth | Memphis, Tennessee | | Percentage of assets | | [Michael Marsh](https://find.wellspent.co/advisors/michael-marsh.md) | Marsh Wealth Management | Knoxville, Tennessee | | Percentage of assets | | [Michael Seelman](https://find.wellspent.co/advisors/michael-seelman.md) | ProffittGoodson Private Wealth | Knoxville, Tennessee | | Percentage of assets, Hourly | Showing the first 50 of 74. The full list, page by page: https://find.wellspent.co/audiences/retirees/tennessee/?page=2 ## Related - [Estate planning in Tennessee](https://find.wellspent.co/specialties/estate-planning/tennessee.md) - [Retirement planning in Tennessee](https://find.wellspent.co/specialties/retirement-planning/tennessee.md) - [Tax planning in Tennessee](https://find.wellspent.co/specialties/tax-planning/tennessee.md) - [Family wealth transfer in Tennessee](https://find.wellspent.co/specialties/family-wealth-transfer/tennessee.md) - [Founders in Tennessee](https://find.wellspent.co/specialties/founders-pre-exit/tennessee.md) - [Small business owners in Tennessee](https://find.wellspent.co/specialties/small-business-owners/tennessee.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).