Financial advisors for retirement planning in Alabama
Which financial advisor should I talk to about retirement planning in Alabama?
For retirement planning in Alabama, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Chad Holmes of Formula Wealth, Mary Livingston of Navigate Wealth Management and Marshall Rathmell of BCR Wealth Strategies.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Chad Holmes Formula Wealth, Fairhope Holds the CFP and CPA. Fees on file: flat fee or retainer, one-time planning fee.
- Mary Livingston Navigate Wealth Management, Birmingham Holds the CFP. Fees on file: percentage of assets.
- Marshall Rathmell BCR Wealth Strategies, Vestavia Holds the CFP. Fees on file: percentage of assets.
- Jessica McDonald Southern Wealth Builders, Birmingham Holds the CFP. Fees on file: ongoing planning fee, percentage of assets.
- Zeke Anders Planalto Financial LLC, Huntsville Holds the CFP. Fees on file: flat fee or retainer, hourly.
- Taylor Hart Steadmont Advisors, Birmingham Holds the CFP. Fees on file: ongoing planning fee.
How many fee-only financial advisors in Alabama work on retirement planning?
The Wellspent public graph lists 53 fee-only advisors for retirement planning in Alabama, at 22 firms. We counted every advisor record that lists this work, as of October 2026.
Where are fee-only advisors for retirement planning in Alabama located?
Of the 53 fee-only advisors for retirement planning in Alabama, 30 are in Birmingham, followed by 7 in Vestavia and 4 in Huntsville.
Plus 5 in other cities.
How do fee-only advisors for retirement planning in Alabama charge?
The most common fee among fee-only advisors for retirement planning in Alabama is a percentage of assets, used by 87% of the 53 with fees on file. Many use more than one: 55% charge by the hour and 43% charge fixed fees.
What credentials should a financial advisor for retirement planning have?
For retirement planning, look for the CFP and CPA. In Alabama, 47% of the 53 advisors listed hold the CFP.
- CFP47% in Alabama
- The CFP covers income, tax, insurance, and estate decisions together.
- CPA2% in Alabama
- CPAs help with the tax side of withdrawals.
How do Alabama advisors for retirement planning compare with the rest of the US?
55% of fee-only advisors for retirement planning in Alabama charge by the hour, compared with 45% of the 7,304 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are Alabama. Light bars are all US advisors for retirement planning.
Does Alabama tax Social Security?
No. Alabama doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan.
What should I ask a financial advisor about retirement planning in Alabama?
- How do you decide which accounts I draw from first?
- When would you have me claim Social Security, and why?
- How do you handle a bad market in my first years of retirement?
- Will you run Roth conversion scenarios for me each year?
- How does Alabama tax each source of my retirement income?
How current is this list of fee-only advisors for retirement planning in Alabama?
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.
All 53 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Chad Holmes Flat fee - fee only - fiduciary - Life Audit Creator | Formula Wealth | Fairhope | CFP, CPA | Flat fee or retainer, One-time planning fee |
| Zeke Anders | Planalto Financial LLC | Huntsville | CFP | Flat fee or retainer, Hourly |
| Eric McClain | Approach Retirement Advisors, LLC | Birmingham | CFP, JD, MBA | Percentage of assets, Hourly |
| Jessica McDonald | Southern Wealth Builders | Birmingham | CFP, MS | Ongoing planning fee, Percentage of assets |
| Robert Eifert | Cahaba Wealth Management, Inc. | Birmingham | CFP | Percentage of assets, Fixed fees |
| Brian Seay | Capital Stewards | Huntsville | CFA | Flat fee or retainer, Ongoing planning fee |
| Duke Cope | Cope Private Wealth | Birmingham | CFP | Percentage of assets, Hourly |
| Robert Cope | Cope Private Wealth | Birmingham | CFP | Percentage of assets, Hourly |
| Stephanie Bunn | Capstone Global Advisors | Wedowee | CFP | Percentage of assets, Hourly |
| Taylor Hart | Steadmont Advisors | Birmingham | CFP | Ongoing planning fee |
| Billy Williams | Williams Financial Group | Mobile | CFP, ChFC | Percentage of assets, Hourly |
| Caleb Hopkins | Navigate Wealth Management | Birmingham | CFP, CFA | Percentage of assets |
| Derrell Crimm | Walton Financial | Birmingham | CFP | Percentage of assets, Hourly |
| James Burnett | Navigate Wealth Management | Birmingham | CFP | Percentage of assets |
| Jonathan Fargason | Navigate Wealth Management | Birmingham | CFP | Percentage of assets |
| Mary Livingston | Navigate Wealth Management | Birmingham | CFP, CFA | Percentage of assets |
| Nicholette Hamel | Dougherty Investment Advisors | Pinson | Not listed | Percentage of assets, Hourly |
| Steven Lind | Navigate Wealth Management | Birmingham | CFP | Percentage of assets |
| Ashley Crawford | Brookstone Wealth Management | Birmingham | CFP | Percentage of assets, Hourly |
| Blake May | Brookstone Wealth Management | Birmingham | CFP | Percentage of assets, Hourly |
| Jacob Drum | Strauss Financial Group | Hoover | CFP, PFS | Percentage of assets, Hourly |
| Joseph Lawrence | ARIA Wealth Management | Huntsville | Not listed | Percentage of assets, Hourly |
| Kyle Whittington | Brookstone Wealth Management | Birmingham | CFP | Percentage of assets, Hourly |
| Madison Caswell | Brookstone Wealth Management | Birmingham | CFP | Percentage of assets, Hourly |
| Marshall Rathmell | BCR Wealth Strategies | Vestavia | CFP, PFS | Percentage of assets |
| Sandra Cleveland | BCR Wealth Strategies | Vestavia | CFP | Percentage of assets |
| Spencer Lawson | BCR Wealth Strategies | Vestavia | CFP | Percentage of assets |
| Tami McDonald | Brookstone Wealth Management | Birmingham | CFP | Percentage of assets, Hourly |
| Carl Grahs | Navigate Wealth Management | Birmingham | CFA | Percentage of assets |
| Lester Brol | Brol Capital Management | Hampton Cove | CFA | Percentage of assets, Hourly |
| Terry Rogers | Verus Capital Partners | Huntsville | Not listed | Percentage of assets, Hourly |
| Amy Drinkard | Steadmont Advisors | Birmingham | Not listed | Ongoing planning fee |
| Breland Booth | Booth Financial Planning | Birmingham | Not listed | Percentage of assets, Fixed fees |
| Margaret Dunn | Steadmont Advisors | Birmingham | Not listed | Ongoing planning fee |
| Tyler Decker | Steadmont Advisors | Birmingham | Not listed | Ongoing planning fee |
| Laurel Buckalew | Insignia Wealth Advisory | Opelika | Not listed | Percentage of assets |
| Lisa Gamble | Walton Financial | Birmingham | Not listed | Percentage of assets, Hourly |
| Matt Williams | Williams Financial Group | Mobile | Not listed | Percentage of assets, Hourly |
| Meredith Nowell | Williams Financial Group | Mobile | Not listed | Percentage of assets, Hourly |
| Reuben Stewart | Navigate Wealth Management | Birmingham | Not listed | Percentage of assets |
| Scott Walton | Walton Financial | Birmingham | Not listed | Percentage of assets, Hourly |
| Abigail Kotarski | BCR Wealth Strategies | Vestavia | Not listed | Percentage of assets |
| Annelise Sutherland | BCR Wealth Strategies | Vestavia | Not listed | Percentage of assets |
| Courtney Lankford | Milestone Investments Columbus | Birmingham | Not listed | Percentage of assets, Hourly |
| Dwight Reynolds | Brookstone Wealth Management | Birmingham | Not listed | Percentage of assets, Hourly |
| Heidi Strauss | Strauss Financial Group | Hoover | Not listed | Percentage of assets, Hourly |
| John Strauss | Strauss Financial Group | Hoover | Not listed | Percentage of assets, Hourly |
| John Strauss | Strauss Financial Group | Hoover | Not listed | Percentage of assets, Hourly |
| Justin Tackett | Brookstone Wealth Management | Birmingham | Not listed | Percentage of assets, Hourly |
| Lindsay Birchfield | BCR Wealth Strategies | Vestavia | Not listed | Percentage of assets |
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