Data as of Aug 25, 2026 · Based on 269 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
To find a fiduciary financial planner who does not sell insurance, use specialized directories like FeeOnlyNetwork.com, which specifically filters out insurance and annuity sales. Other reliable resources include NAPFA and the Advice-Only Network, which vet professionals to ensure they do not take commissions or sell products. These platforms provide tools to help you identify planners who work solely for their clients' best interest.
Brands AI recommends here
Named in 60% of answers
NAPFA is an excellent choice for verifying fiduciary status, as all members are strictly checked to ensure they are fee-only and adhere to high standards of objective, unbiased financial advice.
Named in 48% of answers
This is the most direct fit for your requirement as it provides specific filters to exclude advisors who sell insurance or annuity products, ensuring your search focuses strictly on neutral financial guidance.
Named in 27% of answers
Named in 23% of answers
Source | Citation share |
|---|---|
 FeeOnlyNetwork.com: Home - Find a Fee-Only Financial ...https://www.feeonlynetwork.com/ | 3.1% |
 The National Association of Personal Financial Advisors | NAPFAhttps://www.napfa.org/ | 2.7% |
 What Is a Fee-Only Fiduciary Advisor and Why Does It Matter?https://team.monetagroup.com/what-is-a-fee-only-fiduciary-advisor-and-why-does-it-matter/ | 2.7% |
Advice-Only Network | Find Financial Advisors Who Don't Sell ...https://adviceonlynetwork.com/ | 2.5% |
 How to Find a Fee-Only Financial Advisor | Darrow Wealthhttps://darrowwealthmanagement.com/blog/how-to-find-a-fee-only-financial-advisor/ | 2.0% |
 How to Find a Fiduciary Financial Advisor | Modera Wealth Managementhttps://moderawealth.com/how-to-find-a-fiduciary-financial-advisor/ | 1.1% |
 News & Top Stories | Bankrate.comhttps://www.bankrate.com/investing/financial-advisors/fiduciary-financial-advisor-what-they-do-and-how-to-find-one/ | 1.1% |
 How to Choose a Financial Advisor in 5 Stepshttps://www.nerdwallet.com/financial-advisors/learn/how-to-choose-a-financial-advisor | 1.0% |
 How to find a financial advisor or financial planner | Fidelityhttps://www.fidelity.com/learning-center/smart-money/how-to-find-a-financial-advisor | 1.0% |
What Is a Fiduciary Advisor & How Do You Find One?https://bogartwealth.com/what-is-a-fiduciary-advisor/ | 0.9% |
To find a financial planner who meets your exact criteria—a legal fiduciary *and* strictly free from selling insurance products or earning product commissions—you need to look for a **Fee-Only** (not "fee-based") advisor.[](https://www.napfa.org/financial-planning/what-is-fee-only-advising)…
To find a financial planner who meets your exact criteria—a legal fiduciary and strictly free from selling insurance products or earning product commissions—you need to look for a Fee-Only (not "fee-based") advisor.
While "fiduciary" means they are required to put your best interests first, many fiduciaries are technically "fee-based," meaning they can still sell insurance or investment products for a commission on the side. To eliminate insurance sales entirely, Fee-Only is the gold standard. They are compensated solely by you (hourly, flat-fee, retainer, or a percentage of assets under management) and do not accept commissions or kickbacks from insurance or financial product manufacturers.
Top Directories to Find Qualified Advisors
Quick Verification Questions to Ask During Your Interview
Even within directories, it is vital to double-check their specific scope during an introductory call:
If you'd like, let me know:
I can give you more tailored tips on how to approach your search!
- **Oak Road Wealth Management** - 210 SW Market St, Lee's Summit, MO 64063, United States - **Beacon Financial Advisors** - 200 NE Missouri Rd, Lee's Summit, MO 64086, United States - **Your Financial Partnership** - 210 SW Market St Ste 209, Lee's Summit, MO 64063, United States
Yes. Since you’re in the Lee’s Summit/Kansas City area, I found several planners that appear to fit your criteria particularly well.
The key term to look for is fee-only fiduciary. “Fee-only” is important because it means the advisor is compensated by the client rather than by commissions from selling financial products.
NextGen Wealth in Lee's Summit says it is a fiduciary, but it describes itself as fee-based, rather than fee-only. NextGen Wealth Since your specific goal is to avoid someone who sells insurance/products, I'd favor the firms above unless NextGen can clearly confirm that your particular advisor receives no commissions or insurance compensation.
I would ask each candidate this exact question:
“Are you 100% fee-only, meaning neither you nor anyone at your firm receives commissions, referral fees, trails, or other compensation from insurance or investment product sales?” Then ask:
If you want the cleanest possible arrangement, I'd start with Java Wealth Planning, Oak Road, and Beacon. They appear to have the strongest combination of local presence, fee-only structure, and explicit rejection of product commissions.
If you'd like, I can also compare these firms side-by-side on fees, minimum investment, specialties, CFP® credentials, and whether they offer one-time financial plans versus ongoing management.
If you want the cleanest possible arrangement, I'd start with Java Wealth Planning, Oak Road, and Beacon. They appear to have the strongest combination of local presence, fee-only structure, and explicit rejection of product commissions.
- **ACT Advisors Wealth Management** - 1156 Bowman Rd #200, Mt Pleasant, SC 29464, United States - **Oak Street Advisors - Fee-Only Fiduciary Financial & Tax Planners** - 884 Allbritton Blvd #215, Mt Pleasant, SC 29464, United States - **Hampton Park Financial Planning** - Charleston, SC 29403
Yes. Since you’re in the Charleston/Lowcountry area, I found several firms that appear to fit your requirements particularly well: fiduciary + fee-only + no insurance/product commissions.
I would specifically look for “fee-only,” not merely “fee-based.” Fee-only means the advisor is compensated by the client rather than receiving commissions for selling financial products. That makes it much easier to rule out the insurance-sales conflict you're trying to avoid.
Also, being a fiduciary doesn't by itself guarantee that someone never sells insurance. Your requirement is stronger: you want an advisor who is both a fiduciary and does not receive compensation from insurance/product sales.
If I were narrowing this to three initial calls, I'd start with ACT Advisors, Oak Street Advisors, and Hampton Park. All three have particularly clear public statements addressing your specific concern about insurance/product sales.
If you tell me roughly your age, whether you're retired or still working, and whether you want ongoing investment management or just a financial plan, I can narrow this to the 3 best fits and compare their fees, minimums, credentials, and planning approach.
To find a financial planner who meets these exact criteria—meaning they are legally bound to act as a fiduciary 100% of the time and do not earn commissions or sell insurance/financial products —you should specifically look for **Fee-Only** financial planners rather than "fee-based" (which can still mean commissions…
To find a financial planner who meets these exact criteria—meaning they are legally bound to act as a fiduciary 100% of the time and do not earn commissions or sell insurance/financial products —you should specifically look for Fee-Only financial planners rather than "fee-based" (which can still mean commissions or product sales).
Top professional organizations and directories exclusively feature true fee-only, fiduciary planners:
If you'd like to narrow this down, let me know:
I can help you outline what specific questions to ask them during an initial consultation.
To find a financial planner who meets these exact requirements, you need to look for someone who operates on a **Fee-Only** compensation structure and is a registered fiduciary at all times.[](https://www.napfa.org/)…
To find a financial planner who meets these exact requirements, you need to look for someone who operates on a Fee-Only compensation structure and is a registered fiduciary at all times.
In the financial industry, "fee-only" means the planner is compensated exclusively and directly by their clients (through hourly rates, flat fees, retainers, or a percentage of assets under management) and never earns commissions from selling products like life insurance, annuities, or mutual funds. This is distinct from "fee-based" advisors, who may charge planning fees and earn commissions on product sales.
Where to Find Them
How to Verify an Advisor Yourself
Even when using a directory, it is smart to double-check an advisor's background before signing an agreement:
Would you prefer an advisor who charges via Assets Under Management (AUM) (a percentage of your portfolio) or a flat fee / hourly rate where your investments aren't tied to their compensation?
- **Northbrook Financial** - 1340 Smith Ave #200, Baltimore, MD 21209 - **Silverstone Financial** - 4401 Silverbrook Ln, Owings Mills, MD 21117, United States - **WBH Advisory** - 1829 Reisterstown Rd #225, Baltimore, MD 21208, United States
Yes. The key term you want is “fee-only fiduciary” rather than simply “fee-based” or “fiduciary.” NAPFA explains that fee-only planners receive compensation from clients rather than commissions, which substantially reduces the incentive to recommend financial products.
Assuming you're looking in the Baltimore/Lochearn area, I found several promising options:
A particularly useful independent screening tool is napfa.org. NAPFA members are required to operate under a fee-only compensation model. NAPFA You can also use connect.xyplanningnetwork.com; its listed advisors must be CFP® professionals, fee-only, and sign a fiduciary oath.
When you call, I'd ask:
“Are you completely fee-only, meaning neither you nor anyone at your firm receives commissions, referral fees, or other compensation from insurance or investment product sales? And will you act as a fiduciary for me at all times?” That wording helps distinguish a genuinely fee-only planner from an advisor who calls themselves a fiduciary but can still sell commissioned products.
If you tell me what kind of planning you need (retirement, investments, taxes, estate planning, general financial planning, etc.) and roughly how much you have invested, I can narrow this to 3–5 best-fit planners and compare their fees, minimums, specialties, and distance from you.
To find a financial planner who meets these exact criteria, you want a **Fee-Only, Fiduciary Advisor** (often categorized further as **Advice-Only**).[](https://www.reddit.com/r/FinancialPlanning/comments/1rv1vqm/how_can_one_find_a_feeonly_adviceonly_fiduciary/)…
To find a financial planner who meets these exact criteria, you want a Fee-Only, Fiduciary Advisor (often categorized further as Advice-Only).
The critical distinction is that "Fee-Only" means they are compensated exclusively by the client (via hourly rates, flat project fees, retainers, or a percentage of assets) and do not accept commissions for selling insurance, annuities, or specific investment products.
Here are the best, fully vetted directories to find the exact type of planner you are looking for:
How to Double-Check Your Advisor
Before signing anything, take these protective steps:
If you'd like to narrow down your options, tell me:
Yes. Given your criteria, I would specifically look for a **fee-only fiduciary**—not merely an advisor who says they “act as a fiduciary.” Fee-only generally means the firm is compensated by clients rather than by commissions for selling financial or insurance products. Since you appear to be in the Wilmington/Navassa…
Yes. Given your criteria, I would specifically look for a fee-only fiduciary—not merely an advisor who says they “act as a fiduciary.” Fee-only generally means the firm is compensated by clients rather than by commissions for selling financial or insurance products.
Since you appear to be in the Wilmington/Navassa area, I found several promising local options:
Dovetail Financial — Wilmington
Tilia Fiduciary Partners, Inc. — Downtown Wilmington
Taylor Financial — Wilmington
Inspire Financial Planning — Wilmington
If your requirement is “I don't want someone who sells insurance to me, period,” rather than simply “I don't want insurance commissions,” I'd put Dovetail and Tilia at the top of the list. Both explicitly say they don't receive commissions from insurance sales, and Tilia goes further by explicitly saying “we do not sell insurance.”
I'd also consider whether you want investment management. If you mainly want someone to give you an objective financial plan—retirement, Social Security, taxes, investments, estate planning, etc.—without taking over your investment accounts, an advice-only/hourly planner can be especially attractive.
If you tell me roughly (1) your investable assets, (2) whether you're retired or still working, and (3) whether you want ongoing investment management or just planning, I can narrow these down to the 2–3 best fits and compare their fees, minimums, credentials, and distance from Navassa.
Yes. Since you’re looking in the **Williamsville/Buffalo area**, I found several firms that appear to fit your requirements particularly well. The key term you want is **fee-only fiduciary**: fee-only generally means the advisor is compensated by the client rather than receiving commissions for selling financial…
Yes. Since you’re looking in the Williamsville/Buffalo area, I found several firms that appear to fit your requirements particularly well. The key term you want is fee-only fiduciary: fee-only generally means the advisor is compensated by the client rather than receiving commissions for selling financial products.
Bentham Wealth Advisors — Williamsville
Sherwood Financial Management — Williamsville
Level Financial Advisors — East Amherst
West Branch Capital LLC — Williamsville/Buffalo
Eudaimonia Wealth — Buffalo
I found some Williamsville advisors who describe themselves as financial planners but also receive insurance commissions. For example, Florian Financial Group says its planning and investment advice is fee-only but that it receives commissions for insurance solutions.
So I would not put that firm on your shortlist if “does not sell insurance products” is a firm requirement.
Even with a firm advertising itself as fee-only, I'd ask these four questions:
1. Are you and everyone in your firm compensated exclusively by client fees, with no commissions or referral fees?
2. Do you or anyone affiliated with your firm sell life, disability, long-term-care, annuity, or other insurance products?
3. Will you act as a fiduciary at all times—not just when providing investment advice?
4. Are you willing to provide financial planning without requiring me to purchase an investment or insurance product?
A straightforward answer of “yes, we're fee-only, we don't receive commissions, and we don't sell insurance” is what I'd want.
If you tell me roughly your age, whether you're retired/almost retired, and whether you're looking primarily for retirement planning, investment management, tax planning, or all of the above, I can narrow this to the 2–3 best fits and compare their fees, minimums, specialties, and credentials.
To find a financial planner who meets these exact criteria, you need a **Fee-Only Fiduciary**.[](https://www.feeonlynetwork.com/) [[1]](https://www.feeonlynetwork.com/) Unlike "fee-based" advisors (who can charge planning fees *and* earn commissions on selling insurance or financial products), strict **fee-only**…
To find a financial planner who meets these exact criteria, you need a Fee-Only Fiduciary.
Unlike "fee-based" advisors (who can charge planning fees and earn commissions on selling insurance or financial products), strict fee-only advisors are compensated exclusively by their clients via hourly rates, flat project fees, retainers, or a percentage of assets under management (AUM). They do not receive commissions, referral fees, or kickbacks from selling products like life insurance, annuities, or mutual funds.
The most reliable directories and steps to find a pure fee-only fiduciary include:
If you'd like to narrow this down, let me know:
I can help tailor recommendations on what specific questions to ask during your initial consultation.
