# ChFC financial advisors

> Look for a fee-only advisor who holds the ChFC, a planning designation from The American College. It covers much the same ground as the CFP. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Joel Cundick of Savant Wealth Management and Cody Cassidy of TCI Wealth Advisors, Inc..

Page: https://find.wellspent.co/by/chfc-financial-advisors/
50 fee-only advisors listed; data last updated November 2, 2026.
Fee-only means paid only by clients, never by commissions.

## How do I find fee-only advisors who hold the ChFC?

Look for a fee-only advisor who holds the ChFC, a planning designation from The American College. It covers much the same ground as the CFP. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Joel Cundick of Savant Wealth Management and Cody Cassidy of TCI Wealth Advisors, Inc..

## How many fee-only advisors who hold the ChFC are there in the US?

The Wellspent public graph lists 672 fee-only advisors who hold the ChFC in the US, from every advisor record that fits.

## Which states have the most fee-only advisors who hold the ChFC?

Texas has the most fee-only advisors who hold the ChFC in the Wellspent public graph, with 61, followed by California (56) and Florida (48).

## How does Wellspent decide who counts as fee-only advisors who hold the ChFC?

We count an advisor here when their record lists the ChFC.

## What should I ask fee-only advisors who hold the ChFC in the US?

What areas does your planning cover? Do you hold other credentials? Do you earn anything from selling insurance? How do you charge?

## Advisors

| Advisor | Firm | Location | Credentials | Fees |
|---|---|---|---|---|
| [Al Faber](https://find.wellspent.co/advisors/al-faber.md) | DIWY Financial Planning | Los Angeles, California | CFP, ChFC, CLU, MBA | One-time planning fee, Hourly |
| [Brian Sirota](https://find.wellspent.co/advisors/brian-sirota.md) | FirsTrust | Daytona Beach, Florida | CFP, ChFC, MBA, CFA, CIMA, JM, CLU, MTX | Percentage of assets |
| [Charles Harper](https://find.wellspent.co/advisors/charles-harper.md) | Harper Financial Planning LLC | Columbia, South Carolina | CFP, ChFC, RICP | Percentage of assets, Flat fee or retainer, Hourly, One-time planning fee |
| [Chris Haigh](https://find.wellspent.co/advisors/chris-haigh.md) | Iconoclastic Capital Management LLC | Brooklyn, New York | CFP, ChFC, RICP | Percentage of assets, Ongoing planning fee, One-time planning fee |
| [Daniel Wrenne](https://find.wellspent.co/advisors/daniel-wrenne.md) | Wrenne Financial Planning | Lexington, Kentucky | CFP, ChFC | Flat fee or retainer, Ongoing planning fee |
| [Daniel Yerger](https://find.wellspent.co/advisors/daniel-yerger.md) | MY Wealth Planners | Longmont, Colorado | AIF, CFP, ChFC, MBA, PhD | Ongoing planning fee, Percentage of assets |
| [David Lafferty](https://find.wellspent.co/advisors/david-lafferty.md) | Wescott Financial Advisory Group LLC | Philadelphia, Pennsylvania | CFP, MBA, JD, CAP, ChFC, LLM | Percentage of assets |
| [Gene Thompson](https://find.wellspent.co/advisors/gene-thompson.md) | Iconoclastic Capital Management | Brooklyn, New York | CFP, ChFC, RICP, Certified Student Loan Professional, CLU | Percentage of assets, Ongoing planning fee, One-time planning fee |
| [Jason Branning](https://find.wellspent.co/advisors/jason-branning.md) | Branning Wealth Management | Jackson, Mississippi | CFP, RICP, ChFC, CDFA | Percentage of assets, One-time planning fee |
| [Johnson Rhett](https://find.wellspent.co/advisors/johnson-rhett.md) | Branning Wealth Management, LLC | Jackson, Mississippi | CFP, ChFC | Percentage of assets, One-time planning fee |
| [Kathleen Connors Dowdy](https://find.wellspent.co/advisors/kathleen-connors-dowdy.md) | EP Wealth Advisors | Los Angeles, California | CFP, EA, CLU, MS, MBA, AIF, MA, ChFC | Percentage of assets, Hourly, Fixed fees |
| [Kirk Reagan](https://find.wellspent.co/advisors/kirk-reagan.md) | High Flight Financial LLC | Dallas, Texas | CFP, ChFC | One-time planning fee, Hourly |
| [Liz Plot](https://find.wellspent.co/advisors/liz-plot.md) | Primas Financial Planning | Columbia, Maryland | CFP, ChFC, AFC, EA | Ongoing planning fee, One-time planning fee |
| [Mike Morton](https://find.wellspent.co/advisors/mike-morton.md) | Morton Financial Advice | Harvard, Massachusetts | CFP, ChFC, RLP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee |
| [Phil Orwig](https://find.wellspent.co/advisors/phil-orwig.md) | Fair Asset Management, LLC | Dallas, Texas | CFP, CPWA, ChFC, RICP, EA | Flat fee or retainer, Ongoing planning fee |
| [RJ Devick](https://find.wellspent.co/advisors/rj-devick.md) | Bond&Devick Wealth Partners | Saint Louis Park, Minnesota | BA, BFA, BS, CFP, Chartered SRI Counselor, ChFC, CRPC | Percentage of assets, One-time planning fee |
| [Shane Dennehy](https://find.wellspent.co/advisors/shane-dennehy.md) | CayDen Wealth Management | Broomfield, Colorado | BFA, CFP, ChFC | Ongoing planning fee, Percentage of assets, One-time planning fee |
| [Alan Nelson](https://find.wellspent.co/advisors/alan-nelson.md) | Measured Money Maneuvers LLC | Solana Beach, California | CFP, ChFC, MBA | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee |
| [Alex Bridges](https://find.wellspent.co/advisors/alex-bridges.md) | Tiverton Wealth | The Woodlands, Texas | CFP, ChFC, RICP, EA | Flat fee or retainer, Ongoing planning fee, One-time planning fee |
| [Allen Gibson](https://find.wellspent.co/advisors/allen-gibson.md) | GIBSON WEALTH ADVISORS LLC | Tyler, Texas | CFP, ChFC, CDFA, CRPC | Percentage of assets |
| [Brian Seymour](https://find.wellspent.co/advisors/brian-seymour.md) | Prosperitage Wealth | Mcdonough, Georgia | CFP, ChFC, RICP | Percentage of assets, Flat fee or retainer, One-time planning fee, Subscription, Hourly |
| [Christopher Lazzaro](https://find.wellspent.co/advisors/christopher-lazzaro.md) | Plan For It Financial, LLC | Salem, Massachusetts | ChFC, RICP | One-time planning fee, Subscription, Hourly |
| [Deaton Smith](https://find.wellspent.co/advisors/deaton-smith.md) | Thayer Financial | Hickory, North Carolina | CFP, ChFC | Percentage of assets |
| [Gabriel Anderson](https://find.wellspent.co/advisors/gabriel-anderson.md) | Crafted Wealth Management, LLC | Los Angeles, California | CFP, ChFC, CLU | Percentage of assets, Ongoing planning fee |
| [George Kao](https://find.wellspent.co/advisors/george-kao.md) | Reach One Teach One Financial | Phoenix, Arizona | CFP, ChFC, CKA, CRPC, MBA | Percentage of assets, Hourly, Flat fee or retainer |
| [Joel Chouinard](https://find.wellspent.co/advisors/joel-chouinard.md) | SharpEdge Financial LLC | Southlake, Texas | CFP, ChFC | Flat fee or retainer, One-time planning fee, Ongoing planning fee, Percentage of assets |
| [Joel Cundick](https://find.wellspent.co/advisors/joel-cundick.md) | Savant Wealth Management | Phoenix, Arizona | AIF, CFP, CPA/PFS, CFA, MBA, CIMA, CRPS, BBA, ChFC, CLU | Percentage of assets, Flat fee or retainer |
| [Lynn Chen-Zhang](https://find.wellspent.co/advisors/lynn-chen-zhang.md) | Zhang Financial | Bloomfield Hills, Michigan | CFP, CPA, MBA, MS, ChFC, CLU, MSFS, CFA, JD | Percentage of assets, Hourly, Fixed 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 |
| [Barbara Clemons](https://find.wellspent.co/advisors/barbara-clemons.md) | Clemons Financial Education Company | Fairport, New York | CFP, CLU, ChFC, CASL, CTFA, AEP | One-time planning fee, Hourly |
| [Caleb Pepperday](https://find.wellspent.co/advisors/caleb-pepperday.md) | Advanced Practice Planning, LLC | Missoula, Montana | CFP, ChFC | Ongoing planning fee |
| [Carey Morgan](https://find.wellspent.co/advisors/carey-morgan.md) | Livelihood LLC | Philadelphia, Pennsylvania | CFP, ChFC | Flat fee or retainer, Hourly, One-time planning fee |
| [Case Belger](https://find.wellspent.co/advisors/case-belger.md) | rebel Financial | Groveport, Ohio | AIF, CFP, ChFC, CLU, EA | Percentage of assets, Hourly, Subscription, Fixed fees |
| [Cody Cassidy](https://find.wellspent.co/advisors/cody-cassidy.md) | TCI Wealth Advisors, Inc. | Scottsdale, Arizona | CFP, CPA, MBA, AAMS, ChFC, CWS, CFA, MD, AIF | Percentage of assets, Hourly, Fixed fees |
| [Desiree Kaul](https://find.wellspent.co/advisors/desiree-kaul.md) | Kaul Financial Solutions | Satellite Beach, Florida | CFP, ChFC, EA | Subscription, One-time planning fee, Hourly |
| [Edward Mahaffy](https://find.wellspent.co/advisors/edward-mahaffy.md) | ClientFirst Wealth Management, LLC | Little Rock, Arkansas | CFP, ChFC, MBA | Percentage of assets, Ongoing planning fee |
| [J. Scott Kittrell](https://find.wellspent.co/advisors/j-scott-kittrell.md) | Modera Wealth Management, LLC | New York, New York | CFP, CFA, ACA, EA, DDS, MBA, CDFA, AAMS, BFA, Chartered SRI Counselor, CPWA, ChFC, CPA, CEPA, ChSNC, AIF, CPA/PFS, MSFS, CLU, RICP, BS | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee |
| [Jacob Greenberg](https://find.wellspent.co/advisors/jacob-greenberg.md) | Pure Financial Advisors, LLC | San Diego, California | AIF, CFP, ChFC, MPH, JD, CRPC, MBA, MSBA | Percentage of assets, One-time planning fee |
| [Jose Armenta](https://find.wellspent.co/advisors/jose-armenta.md) | Create Your Path | San Diego, California | CFP, ChFC, EA, MSBA, MSFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly |
| [Marcus Blanchard](https://find.wellspent.co/advisors/marcus-blanchard.md) | Focal Point Financial Planning, LLC | Pleasant Grove, Utah | CFP, ChFC | Percentage of assets, Hourly, One-time planning fee |
| [Marty O'Leary](https://find.wellspent.co/advisors/marty-oleary.md) | Stadium Financial LLC | Orlando, Florida | CFP, ChFC | Percentage of assets, Ongoing planning fee, One-time planning fee, Hourly |
| [Matt Laciskey](https://find.wellspent.co/advisors/matt-laciskey.md) | Hyland Lake Partners, LLC | Edina, Minnesota | CFP, EA, ChFC, ChSNC | Percentage of assets, Ongoing planning fee |
| [Michael Hunsberger](https://find.wellspent.co/advisors/michael-hunsberger.md) | Next Mission Financial Planning | Saint Charles, Missouri | CFP, ChFC, CCFC | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly |
| [Rebecca Meats](https://find.wellspent.co/advisors/rebecca-meats.md) | Clear Insight Wealth Management | Spokane, Washington | CPA, AFC, CFP, ChFC, Other | Percentage of assets, Ongoing planning fee |
| [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 |
| [Sean Gerlin](https://find.wellspent.co/advisors/sean-gerlin.md) | Envision Financial Services & Asset Management | Maitland, Florida | CFP, ChFC, CPWA, CLU | Percentage of assets, Fixed fees |
| [C Garrett Moore](https://find.wellspent.co/advisors/c-garrett-moore.md) | C Garrett Moore, CFP® | Bradenton, Florida | CFP, ChFC | Percentage of assets, Fixed fees |
| [Dawn Mabery Chestnut](https://find.wellspent.co/advisors/dawn-mabery-chestnut.md) | Mabery Consulting, LLC | Washington, District of Columbia | CFP, MPAS, MSPFP, ChFC | Flat fee or retainer, Hourly, Percentage of assets, One-time planning fee |
| [Dwayne Reinike](https://find.wellspent.co/advisors/dwayne-reinike.md) | Valiant Financial Planning | Kirkland, Washington | CFP, ChFC | Flat fee or retainer, One-time planning fee |
| [Garrett Moore](https://find.wellspent.co/advisors/garrett-moore.md) | Moore Financial Management, Inc. | Bradenton, Florida | CFP, ChFC | Percentage of assets, Fixed fees |

## 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).