# Financial advisors for small business owners in Arizona > For small business owners in Arizona, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Curtis Crossland of Suttle Crossland Wealth Advisors, LLC, Prudence Zhu of Enso Financial and Joel Cundick of Savant Wealth Management. Page: https://find.wellspent.co/specialties/small-business-owners/arizona/ 52 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 small business owner in Arizona? For small business owners in Arizona, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Curtis Crossland of Suttle Crossland Wealth Advisors, LLC, Prudence Zhu of Enso Financial and Joel Cundick of Savant Wealth Management. - [Curtis Crossland](https://find.wellspent.co/advisors/curtis-crossland/), Suttle Crossland Wealth Advisors, LLC, Scottsdale. Holds the EA and CFP. Fees on file: one-time planning fee, ongoing planning fee. - [Prudence Zhu](https://find.wellspent.co/advisors/prudence-zhu/), Enso Financial, Phoenix. Holds the CPA and CFP. Fees on file: percentage of assets, flat fee or retainer. - [Joel Cundick](https://find.wellspent.co/advisors/joel-cundick/), Savant Wealth Management, Phoenix. Holds the CPA and CFP. Fees on file: percentage of assets, flat fee or retainer. - [Heather Townsend](https://find.wellspent.co/advisors/heather-townsend/), Townsend Financial, LLC, Scottsdale. Holds the CPA and CFP. Fees on file: ongoing planning fee. - [Robinson Crawford](https://find.wellspent.co/advisors/robinson-crawford/), Montebello Avenue, Phoenix. Holds the CFP. Fees on file: flat fee or retainer, percentage of assets. - [Sara Amparan](https://find.wellspent.co/advisors/sara-amparan/), Deters Wealth Management, Gilbert. Holds the CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in Arizona work with small business owners? The Wellspent public graph lists 52 fee-only advisors for small business owners in Arizona, at 34 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in Arizona located? Of the 52 fee-only advisors for small business owners in Arizona, 17 are in Scottsdale, followed by 9 in Phoenix and 6 in Mesa. ## How do fee-only advisors for small business owners in Arizona charge? The most common fee among fee-only advisors for small business owners in Arizona is a percentage of assets, used by 79% of the 52 with fees on file. Many use more than one: 46% charge fixed fees and 25% charge by the hour. ## How much do fee-only financial advisors charge in Arizona? Fee-only financial advisors in Arizona charge a median of $4,800 a year for ongoing planning. We found this across the published prices of 18 Arizona firms. ## How much does a one-time financial plan cost in Arizona? A one-time financial plan from a fee-only firm in Arizona has a median price of $1,650. We found this across the published prices of 14 Arizona firms. ## What credentials should a financial advisor for small business owners have? For small business owners, look for the CPA, EA and CFP. In Arizona, 60% of the 52 advisors listed hold the CFP. - CPA (6% of advisors listed): CPAs understand entity structure and business books. - EA (2% of advisors listed): Enrolled agents help with owner pay and business tax. - CFP (60% of advisors listed): The CFP keeps the business in the wider plan. ## How do Arizona advisors for small business owners compare with the rest of the US? 25% of fee-only advisors for small business owners in Arizona charge by the hour, compared with 48% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Arizona tax income on top of federal tax? Yes. Arizona has a state income tax, so a financial plan for a Arizona resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in Arizona? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for Arizona tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners in Arizona? 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 | |---|---|---|---|---| | [Paulo Lopes](https://find.wellspent.co/advisors/paulo-lopes.md) | Woodmont Financial Partners LLC | Mesa, Arizona | CFP, JD | Subscription, One-time planning fee, Hourly | | [Alejandro Haas](https://find.wellspent.co/advisors/alejandro-haas.md) | Copper Square Private Wealth, LLC | Phoenix, Arizona | CFP, CIMA | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Percentage of assets | | [Francisco Ayala](https://find.wellspent.co/advisors/francisco-ayala.md) | The Coleridge Group | Phoenix, Arizona | CFA, CFP, MBA | Flat fee or retainer, Ongoing planning fee | | [Heather Townsend](https://find.wellspent.co/advisors/heather-townsend.md) | Townsend Financial, LLC | Scottsdale, Arizona | CFP, CPA, BBA, RLP | Ongoing planning fee | | [Jordan Banning](https://find.wellspent.co/advisors/jordan-banning.md) | Crafted Financial Planning | Glendale, Arizona | CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Prudence Zhu](https://find.wellspent.co/advisors/prudence-zhu.md) | Enso Financial | Phoenix, Arizona | CFP, CFT-I, CPA, MBA | Percentage of assets, Flat fee or retainer, Ongoing planning fee, Hourly | | [Curtis Crossland](https://find.wellspent.co/advisors/curtis-crossland.md) | Suttle Crossland Wealth Advisors, LLC | Scottsdale, Arizona | CFP, CFA, MBA, EA | One-time planning fee, Ongoing planning fee | | [Dustin Suttle](https://find.wellspent.co/advisors/dustin-suttle.md) | Suttle Crossland Wealth Advisors, LLC | Scottsdale, Arizona | CFP, MBA, AAMS, CRPC | One-time planning fee, Ongoing planning fee | | [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 | | [Robinson Crawford](https://find.wellspent.co/advisors/robinson-crawford.md) | Montebello Avenue | Phoenix, Arizona | CFP | Flat fee or retainer, Percentage of assets | | [Thomas Knowlton](https://find.wellspent.co/advisors/thomas-knowlton.md) | Luminvest Wealth Management LLC | Scottsdale, Arizona | CFP, CTFA, MBA | Percentage of assets | | [Trent White](https://find.wellspent.co/advisors/trent-white.md) | Luminvest Wealth Management LLC | Scottsdale, Arizona | CFP, JD | Percentage of assets | | [Dallen Haws](https://find.wellspent.co/advisors/dallen-haws.md) | Haws Financial Planning, LLC | Sierra Vista, Arizona | CFP, MBA | Percentage of assets, Hourly, Fixed fees | | [Michael Tarascio](https://find.wellspent.co/advisors/michael-tarascio.md) | Tarascio Financial Planning, LLC | Mesa, Arizona | CFP | Percentage of assets, Fixed fees | | [Dale Shafer Ii](https://find.wellspent.co/advisors/dale-shafer-ii.md) | Life Moves Wealth Management, LLC | Scotttsdale, Arizona | CFP, APMA, CDFA | Ongoing planning fee | | [Matthew Fitzgerald](https://find.wellspent.co/advisors/matthew-fitzgerald.md) | Holistic Planning | Sedona, Arizona | CFP | Percentage of assets | | [David Rosenthal](https://find.wellspent.co/advisors/david-rosenthal.md) | Wealth Management Solutions | Scottsdale, Arizona | CFP, MBA | Percentage of assets, Hourly, Fixed fees | | [Gary Ferguson](https://find.wellspent.co/advisors/gary-ferguson.md) | John Moore Associates | Scottsdale, Arizona | CFP | Percentage of assets, Fixed fees | | [Chase Deters](https://find.wellspent.co/advisors/chase-deters.md) | Deters Wealth Management | Gilbert, Arizona | CFP, ChFC | Ongoing planning fee | | [Heather McClain](https://find.wellspent.co/advisors/heather-mcclain.md) | Deters Wealth Management | Gilbert, Arizona | CFP | Ongoing planning fee | | [Jonathan Moore](https://find.wellspent.co/advisors/jonathan-moore-6733823.md) | Ironwood Wealth Management | Chandler, Arizona | CFP, ChFC | Percentage of assets, Fixed fees | | [Joseph McCabe](https://find.wellspent.co/advisors/joseph-mccabe.md) | Vestpointe Wealth Management | Scottsdale, Arizona | CFP | Percentage of assets | | [Michael Smith](https://find.wellspent.co/advisors/michael-smith-1189477.md) | ProFocus | Phoenix, Arizona | CFP | Percentage of assets, Hourly, Fixed fees | | [Richard Wagner](https://find.wellspent.co/advisors/richard-wagner.md) | Ironwood Wealth Management | Chandler, Arizona | CFP, ChFC | Percentage of assets, Fixed fees | | [Rydan Case](https://find.wellspent.co/advisors/rydan-case.md) | Ironwood Wealth Management | Chandler, Arizona | CFP, ChFC | Percentage of assets, Fixed fees | | [Sara Amparan](https://find.wellspent.co/advisors/sara-amparan.md) | Deters Wealth Management | Gilbert, Arizona | CFP | Ongoing planning fee | | [Shelby Newell](https://find.wellspent.co/advisors/shelby-newell.md) | Ironwood Wealth Management | Chandler, Arizona | CFP | Percentage of assets, Fixed fees | | [Cole Leonida](https://find.wellspent.co/advisors/cole-leonida.md) | John Moore Associates | Scottsdale, Arizona | | Percentage of assets, Fixed fees | | [Garry Kachkovsky](https://find.wellspent.co/advisors/garry-kachkovsky.md) | Kachkovsky & Fisher | Phoenix, Arizona | CFP | Percentage of assets, Hourly, Fixed fees | | [Kristian Fisher](https://find.wellspent.co/advisors/kristian-fisher.md) | Kachkovsky & Fisher | Phoenix, Arizona | CFP | Percentage of assets, Hourly, Fixed fees | | [Matthew Penkert](https://find.wellspent.co/advisors/matthew-penkert.md) | Pro Tax | Mesa, Arizona | CFP | Percentage of assets | | [Caleb Huftalin](https://find.wellspent.co/advisors/caleb-huftalin.md) | Ridgeline Private Wealth | Mesa, Arizona | CFP | Ongoing planning fee | | [Daniel Langworthy](https://find.wellspent.co/advisors/daniel-langworthy.md) | Fortress Financial Group | Scottsdale, Arizona | | Percentage of assets | | [Kyle Erickson](https://find.wellspent.co/advisors/kyle-erickson.md) | Elevate Investment Management | Scottsdale, Arizona | CFA | Percentage of assets | | [Matthew Miller](https://find.wellspent.co/advisors/matthew-miller-4354910.md) | Elevate Investment Management | Scottsdale, Arizona | CFA | Percentage of assets | | [Taylor Thompson](https://find.wellspent.co/advisors/taylor-thompson.md) | Thompson Family Office | Gilbert , Arizona | | Percentage of assets, Subscription, One-time planning fee | | [Alexander Marek](https://find.wellspent.co/advisors/alexander-marek.md) | Ironwood Wealth Management | Chandler, Arizona | | Percentage of assets, Fixed fees | | [Blake Welch](https://find.wellspent.co/advisors/blake-welch.md) | Arete Financial and Legal Solutions | Goodyear, Arizona | | Percentage of assets, Hourly, Fixed fees | | [Edwin Ashton](https://find.wellspent.co/advisors/edwin-ashton.md) | Arete Financial and Legal Solutions | Goodyear, Arizona | | Percentage of assets, Hourly, Fixed fees | | [Garry Bishop](https://find.wellspent.co/advisors/garry-bishop.md) | ProFocus | Phoenix, Arizona | | Percentage of assets, Hourly, Fixed fees | | [Jasmine Miller](https://find.wellspent.co/advisors/jasmine-miller.md) | Kilter Group | Peoria, Arizona | | Percentage of assets, Fixed fees | | [Michele McCabe](https://find.wellspent.co/advisors/michele-mccabe.md) | Vestpointe Wealth Management | Scottsdale, Arizona | | Percentage of assets | | [Corbin Hixson](https://find.wellspent.co/advisors/corbin-hixson.md) | Alpha Squared Capital | Scottsdale, Arizona | | Percentage of assets, Hourly, Fixed fees | | [Guy Chadwick](https://find.wellspent.co/advisors/guy-chadwick.md) | Third Stanza Group | Cave Creek, Arizona | | Percentage of assets | | [John Haubert](https://find.wellspent.co/advisors/john-haubert.md) | Zeches Wealth Management | Tucson, Arizona | | Percentage of assets, Hourly, Fixed fees | | [Kaitlin Krozel](https://find.wellspent.co/advisors/kaitlin-krozel.md) | Krozel Capital | Scottsdale, Arizona | | Percentage of assets, Fixed fees | | [Michael Hibbs](https://find.wellspent.co/advisors/michael-hibbs.md) | Third Stanza Group | Cave Creek, Arizona | | Percentage of assets | | [Odell Berry](https://find.wellspent.co/advisors/odell-berry.md) | Invest Smart USA | Scottsdale, Arizona | ChFC | Percentage of assets, Fixed fees | | [Robert Armour](https://find.wellspent.co/advisors/robert-armour.md) | Zeches Wealth Management | Mesa, Arizona | | Percentage of assets, Hourly, Fixed fees | | [William Eberhard](https://find.wellspent.co/advisors/william-eberhard.md) | Ridgeline Private Wealth | Mesa, Arizona | | Ongoing planning fee | Showing the first 50 of 52. The full list, page by page: https://find.wellspent.co/specialties/small-business-owners/arizona/?page=2 ## Related - [Retirement planning in Arizona](https://find.wellspent.co/specialties/retirement-planning/arizona.md) - [Tax planning in Arizona](https://find.wellspent.co/specialties/tax-planning/arizona.md) - [Estate planning in Arizona](https://find.wellspent.co/specialties/estate-planning/arizona.md) - [Retirees in Arizona](https://find.wellspent.co/audiences/retirees/arizona.md) - [Pre-retirees in Arizona](https://find.wellspent.co/audiences/pre-retirees/arizona.md) - [Family wealth transfer in Arizona](https://find.wellspent.co/specialties/family-wealth-transfer/arizona.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).