# Fee-only financial advisors in Champaign, Illinois > Start with a fee-only advisor in Champaign whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Daly Andersson of Sterling Wealth Management, Andrew McDowell of LifeWise Wealth Advisors and Paul Ruedi of Ruedi Wealth Management, chosen for their credentials and fees on file. Page: https://find.wellspent.co/locations/us/illinois/champaign/ 28 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which fee-only financial advisor should I talk to in Champaign? Start with a fee-only advisor in Champaign whose record matches what you need, then check their fees and SEC record before you call. Records to start with include Daly Andersson of Sterling Wealth Management, Andrew McDowell of LifeWise Wealth Advisors and Paul Ruedi of Ruedi Wealth Management, chosen for their credentials and fees on file. ## How many fee-only advisors in Champaign are there? The Wellspent public graph lists 28 fee-only advisors in Champaign, at 8 firms. We counted every advisor record that fits, as of October 2026. ## What do fee-only advisors in Champaign focus on? The most common focus among fee-only advisors in Champaign is retirees (16), followed by retirement planning (11) and founders (7). Advisors can list more than one. ## How do fee-only advisors in Champaign charge? The most common fee among fee-only advisors in Champaign is a percentage of assets, used by 75% of the 28 with fees on file. Many use more than one: 50% charge by the hour and 32% charge fixed fees. ## How much do fee-only financial advisors charge in Illinois? Fee-only financial advisors in Illinois charge a median of $5,000 a year for ongoing planning. We found this across the published prices of 35 Illinois firms. ## How many fee-only advisors in Champaign hold the CFP? 54% of the 28 fee-only advisors in Champaign hold the CFP certification, based on the credentials listed on each record. ## Does Illinois tax income on top of federal tax? Yes. Illinois has a state income tax, so a financial plan for a Illinois resident should project it alongside federal tax. ## How current is this list of fee-only advisors in Champaign? 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 | |---|---|---|---|---| | [Andrew McDowell](https://find.wellspent.co/advisors/andrew-mcdowell.md) | LifeWise Wealth Advisors | Champaign, Illinois | CFP | Flat fee or retainer | | [John Foley](https://find.wellspent.co/advisors/john-foley-1287148.md) | LifeWise Wealth Advisors | Champaign, Illinois | CFP, ChFC | Flat fee or retainer | | [John Kennedy](https://find.wellspent.co/advisors/john-kennedy.md) | LifeWise Wealth Advisors | Champaign, Illinois | CFP | Flat fee or retainer | | [Joshua Nuss](https://find.wellspent.co/advisors/joshua-nuss.md) | LifeWise Wealth Advisors | Champaign, Illinois | CFP | Flat fee or retainer | | [Daniel Holder](https://find.wellspent.co/advisors/daniel-holder.md) | Holder Wealth Management | Champaign, Illinois | CFP, PFS | Percentage of assets, Hourly | | [Daniel Ruedi](https://find.wellspent.co/advisors/daniel-ruedi.md) | Ruedi Wealth Management | Champaign, Illinois | CFP | Percentage of assets | | [David Ruedi](https://find.wellspent.co/advisors/david-ruedi.md) | Ruedi Wealth Management | Champaign, Illinois | CFP | Percentage of assets | | [Paul Ruedi](https://find.wellspent.co/advisors/paul-ruedi.md) | Ruedi Wealth Management | Champaign, Illinois | CFP | Percentage of assets | | [Ryan Repko](https://find.wellspent.co/advisors/ryan-repko.md) | Ruedi Wealth Management | Champaign, Illinois | CFP | Percentage of assets | | [Caleb Smoes](https://find.wellspent.co/advisors/caleb-smoes.md) | LifeWise Wealth Advisors | Champaign, Illinois | | Flat fee or retainer | | [Daniel Witherspoon](https://find.wellspent.co/advisors/daniel-witherspoon.md) | LifeWise Wealth Advisors | Champaign, Illinois | | Flat fee or retainer | | [John Vanderburgh](https://find.wellspent.co/advisors/john-vanderburgh.md) | LifeWise Wealth Advisors | Champaign, Illinois | | Flat fee or retainer | | [Charles Holder](https://find.wellspent.co/advisors/charles-holder.md) | Holder Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly | | [Geovanny Vega-Zamora](https://find.wellspent.co/advisors/geovanny-vega-zamora.md) | Holder Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly | | [Paul Ruedi](https://find.wellspent.co/advisors/paul-ruedi-1301608.md) | Ruedi Wealth Management | Champaign, Illinois | | Percentage of assets | | [Ryan Bradley](https://find.wellspent.co/advisors/ryan-bradley.md) | Holder Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly | | [Daly Andersson](https://find.wellspent.co/advisors/daly-andersson.md) | Sterling Wealth Management | Champaign, Illinois | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Jenna Woods](https://find.wellspent.co/advisors/jenna-woods.md) | Sterling Wealth Management | Champaign, Illinois | CFP | Percentage of assets, Hourly, Fixed fees | | [Raymon Brown](https://find.wellspent.co/advisors/raymon-brown.md) | Sterling Wealth Management | Champaign, Illinois | CFP | Percentage of assets, Hourly, Fixed fees | | [Seth Elam](https://find.wellspent.co/advisors/seth-elam.md) | Sterling Wealth Management | Champaign, Illinois | CFP | Percentage of assets, Hourly, Fixed fees | | [Sharon Allen](https://find.wellspent.co/advisors/sharon-allen.md) | Sterling Wealth Management | Champaign, Illinois | CFP | Percentage of assets, Hourly, Fixed fees | | [Xinhong Liu](https://find.wellspent.co/advisors/xinhong-liu.md) | Financial Planning, Asset Management | Champaign, Illinois | CFP | Percentage of assets | | [Candra Chahyadi](https://find.wellspent.co/advisors/candra-chahyadi.md) | William B. Walkup & Associates | Champaign, Illinois | CFA | Percentage of assets | | [Kane Walag](https://find.wellspent.co/advisors/kane-walag.md) | Sterling Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly, Fixed fees | | [Pablo Jimenez Zamora](https://find.wellspent.co/advisors/pablo-jimenez-zamora.md) | Sterling Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly, Fixed fees | | [Scott Cline](https://find.wellspent.co/advisors/scott-cline.md) | Cline Financial Concepts | Champaign, Illinois | | Percentage of assets, Hourly, Fixed fees | | [Scott Willenbrock](https://find.wellspent.co/advisors/scott-willenbrock.md) | Willenbrock Financial Planning | Champaign, Illinois | | Percentage of assets, Hourly | | [Thomas Frey](https://find.wellspent.co/advisors/thomas-frey.md) | Sterling Wealth Management | Champaign, Illinois | | Percentage of assets, Hourly, 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).