# Financial advisors for retirement planning in Delaware > For retirement planning in Delaware, 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 George Reilly of Safe Harbor Financial Advisors, LLC, Mike Staman of Delaware Financial Planning, LLC and Kevin Lam of Age Wisely Financial. Page: https://find.wellspent.co/specialties/retirement-planning/delaware/ 32 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 about retirement planning in Delaware? For retirement planning in Delaware, 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 George Reilly of Safe Harbor Financial Advisors, LLC, Mike Staman of Delaware Financial Planning, LLC and Kevin Lam of Age Wisely Financial. - [George Reilly](https://find.wellspent.co/advisors/george-reilly/), Safe Harbor Financial Advisors, LLC, Rehoboth Beach. Holds the CFP. Fees on file: one-time planning fee, hourly. - [Mike Staman](https://find.wellspent.co/advisors/mike-staman/), Delaware Financial Planning, LLC, Newark. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Kevin Lam](https://find.wellspent.co/advisors/kevin-lam/), Age Wisely Financial, Wilmington. Holds the CFP. Fees on file: one-time planning fee. - [James Lee](https://find.wellspent.co/advisors/james-lee/), StratFI, Wilmington. Holds the CFP. Fees on file: percentage of assets, hourly. - [Robert Jeter](https://find.wellspent.co/advisors/robert-jeter/), Back Bay Financial Planning & Investments, Bethany Beach. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Kay Kidwell](https://find.wellspent.co/advisors/kay-kidwell/), RiversEdge Advisors, Wilmington. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Delaware work on retirement planning? The Wellspent public graph lists 32 fee-only advisors for retirement planning in Delaware, at 13 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirement planning in Delaware located? Of the 32 fee-only advisors for retirement planning in Delaware, 20 are in Wilmington, followed by 5 in Newark and 4 in Dover. ## How do fee-only advisors for retirement planning in Delaware charge? The most common fee among fee-only advisors for retirement planning in Delaware is a percentage of assets, used by 88% of the 32 with fees on file. Many use more than one: 81% charge by the hour and 56% charge fixed fees. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the CFP. In Delaware, 41% of the 32 advisors listed hold the CFP. - CFP (41% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. ## How do Delaware advisors for retirement planning compare with the rest of the US? 81% of fee-only advisors for retirement planning in Delaware 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. ## Does Delaware tax Social Security? No. Delaware 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 Delaware? - 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 Delaware tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in Delaware? 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 | |---|---|---|---|---| | [Michael Staman](https://find.wellspent.co/advisors/michael-staman.md) | Delaware Financial Planning | Newark, Delaware | AWMA, CAP, CFP, MPAS, MSPFP, TPCP | Subscription, One-time planning fee, Hourly | | [Robert Jeter](https://find.wellspent.co/advisors/robert-jeter.md) | Back Bay Financial Planning & Investments | Bethany Beach, Delaware | CFP, CRPC | Percentage of assets, Flat fee or retainer, Hourly | | [George Reilly](https://find.wellspent.co/advisors/george-reilly.md) | Safe Harbor Financial Advisors, LLC | Rehoboth Beach, Delaware | CFP, JD, LLM | One-time planning fee, Hourly | | [Mike Staman](https://find.wellspent.co/advisors/mike-staman.md) | Delaware Financial Planning, LLC | Newark, Delaware | CFP, CAP, TPCP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [Kevin Lam](https://find.wellspent.co/advisors/kevin-lam.md) | Age Wisely Financial | Wilmington, Delaware | CFP | One-time planning fee | | [Brian Carney](https://find.wellspent.co/advisors/brian-carney.md) | RiversEdge Advisors | Wilmington, Delaware | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Jarrett Morris](https://find.wellspent.co/advisors/jarrett-morris.md) | RiversEdge Advisors | Wilmington, Delaware | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Kay Kidwell](https://find.wellspent.co/advisors/kay-kidwell.md) | RiversEdge Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Mark Eggleston](https://find.wellspent.co/advisors/mark-eggleston.md) | RiversEdge Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Bradley Fine](https://find.wellspent.co/advisors/bradley-fine.md) | Four Seasons Investment Management | Rehoboth Beach, Delaware | | Hourly, Percentage of assets, One-time planning fee | | [Caitlyn Tierney](https://find.wellspent.co/advisors/caitlyn-tierney.md) | Westover Capital Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [James Lee](https://find.wellspent.co/advisors/james-lee.md) | StratFI | Wilmington, Delaware | CFP | Percentage of assets, Hourly | | [Lauren Mance](https://find.wellspent.co/advisors/lauren-mance.md) | RiversEdge Advisors | Wilmington, Delaware | CFA | Percentage of assets, Hourly, Fixed fees | | [Stephen Crifasi](https://find.wellspent.co/advisors/stephen-crifasi.md) | Westover Capital Advisors | Wilmington, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Erin Eliason](https://find.wellspent.co/advisors/erin-eliason.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Harold Sawyer](https://find.wellspent.co/advisors/harold-sawyer.md) | Westover Capital Advisors | Wilmington, Delaware | CFA | Percentage of assets, Hourly, Fixed fees | | [Jaime Cutter](https://find.wellspent.co/advisors/jaime-cutter.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Kaczmarczyk](https://find.wellspent.co/advisors/jeffrey-kaczmarczyk.md) | TriState Wealth Advisors | Newark, Delaware | CFA | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Katherine Davis](https://find.wellspent.co/advisors/katherine-davis.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Marisa Facciolo](https://find.wellspent.co/advisors/marisa-facciolo.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Stephen Hyde](https://find.wellspent.co/advisors/stephen-hyde.md) | HFM Investment Advisors | Newark, Delaware | CFP | Percentage of assets, Hourly, Fixed fees | | [Steven Hutchison](https://find.wellspent.co/advisors/steven-hutchison.md) | RiversEdge Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Anna Hibbitt](https://find.wellspent.co/advisors/anna-hibbitt.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Daniel Venable](https://find.wellspent.co/advisors/daniel-venable.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [David Boothe](https://find.wellspent.co/advisors/david-boothe.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Rachel Benton](https://find.wellspent.co/advisors/rachel-benton.md) | B.I.G. Investment Services | Dover, Delaware | | Percentage of assets | | [Dennis Perdue](https://find.wellspent.co/advisors/dennis-perdue.md) | Westover Capital Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Harold Sawyer, Jr.](https://find.wellspent.co/advisors/harold-sawyer-jr.md) | Westover Capital Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Jaan Larkin](https://find.wellspent.co/advisors/jaan-larkin.md) | StratFI | Wilmington, Delaware | | Percentage of assets, Hourly | | [Matthew Beardwood](https://find.wellspent.co/advisors/matthew-beardwood.md) | Westover Capital Advisors | Wilmington, Delaware | | Percentage of assets, Hourly, Fixed fees | | [Cassandra Gegenheimer](https://find.wellspent.co/advisors/cassandra-gegenheimer.md) | McKee Investment Planning | Wilmington, Delaware | | Percentage of assets, Hourly | | [Michael Pallozzi](https://find.wellspent.co/advisors/michael-pallozzi.md) | HFM Investment Advisors | Newark, Delaware | | Percentage of assets, Hourly, Fixed fees | ## Related - [Tax planning in Delaware](https://find.wellspent.co/specialties/tax-planning/delaware.md) - [Estate planning in Delaware](https://find.wellspent.co/specialties/estate-planning/delaware.md) - [Small business owners in Delaware](https://find.wellspent.co/specialties/small-business-owners/delaware.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).