Data as of Aug 25, 2026 · Based on 270 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
To find a financial planner who follows a strict fee-only structure and does not sell insurance, use specialized directories that screen for these requirements. The National Association of Personal Financial Advisors (NAPFA), Advice-Only Network, and the 
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Named in 60% of answers
NAPFA is an industry-leading organization for finding planners who are strictly fee-only and act as fiduciaries, ensuring they prioritize your financial interests without selling insurance or receiving commissions.
Named in 53% of answers
Named in 33% of answers
Best for those seeking budget-friendly, as-needed planning. They focus on advisors who work on an hourly basis, which avoids the ongoing management fees and product sales common in other models.
Named in 25% of answers
This network is best for finding advisors who provide purely objective, hourly, or flat-fee advice. They specifically exclude advisors who attempt to sell insurance or manage assets for commissions.
Source | Citation share |
|---|---|
 FeeOnlyNetwork.com: Home - Find a Fee-Only Financial ...https://www.feeonlynetwork.com/ | 5.4% |
 NAPFA: The National Association of Personal Financial Advisorshttps://www.napfa.org/ | 3.3% |
Advice-Only Network | Find Financial Advisors Who Don't Sell ...https://adviceonlynetwork.com/ | 3.0% |
 How to Find a Fee-Only Financial Planner | Modera Wealth Managementhttps://moderawealth.com/how-to-find-a-fee-only-financial-planner/ | 2.9% |
 What Is a Fee-Only Financial Planner?https://smartasset.com/financial-advisor/fee-only-financial-planner | 2.0% |
 How to Find a Fee-Only Financial Advisor | Darrow Wealthhttps://darrowwealthmanagement.com/blog/how-to-find-a-fee-only-financial-advisor/ | 1.9% |
 What You Need To Know About Fee-Only Financial Advisorshttps://www.investopedia.com/articles/investing/102014/feeonly-financial-advisers-what-you-need-know.asp | 1.1% |
What is Fee-Only Financial Advising | NAPFAhttps://www.napfa.org/financial-planning/what-is-fee-only-advising | 0.9% |
 Fee-Only Fiduciary Commitment - HB Wealthhttps://hbwealth.com/about-us/the-hb-wealth-difference/fee-only-fiduciary-commitment/ | 0.8% |
 Personal Finance Advice and Information | Bankrate.comhttps://www.bankrate.com/investing/financial-advisors/fee-only-vs-fee-based-planners/ | 0.8% |
- **Morrissey Wealth Management** - 116 Washington Ave 3rd floor, North Haven, CT 06473, United States - **Springboard Asset Management, LLC** - 355 Highland Ave Ste 201, Cheshire, CT 06410, United States - **Real Financial Planning** - 705 Boston Post Rd, Guilford, CT 06437, United States
Assuming you’re looking in the New Haven, Connecticut area, there are several advisors that appear to fit your criteria: fee-only, fiduciary, and not compensated by selling insurance or investment products. I would still confirm directly with any planner that they do not receive commissions, referral fees, or insurance compensation before engaging them.
Some options to consider:
When interviewing a planner, I’d ask these exact questions:
A useful distinction: a fee-only planner may still advise you about insurance needs (for example, whether you need coverage), but they should not earn a commission from selling you a policy.
If you tell me your town (or how far you’re willing to travel), your approximate situation (retirement planning, investments, taxes, young family, business owner, etc.), and whether you prefer hourly/project-based planning or ongoing management, I can narrow the list.
Finding a true **fee-only, fiduciary** financial planner who doesn't sell commission-based insurance products is the gold standard for unbiased advice. Because the term "fee-only" can sometimes be loosely used by advisors who still accept commissions on insurance or financial products, you need dedicated directories…
Finding a true fee-only, fiduciary financial planner who doesn't sell commission-based insurance products is the gold standard for unbiased advice. Because the term "fee-only" can sometimes be loosely used by advisors who still accept commissions on insurance or financial products, you need dedicated directories that strictly vet their members.
The best places to search for a planner who meets your exact criteria include NAPFA and specialized networks:
How to Double-Check Your Advisor
Even when using these directories, always do your own due diligence before signing an agreement:
If you'd like, tell me:
I can help narrow down which directory or specific type of engagement model fits your situation best.
- **Essa Financial** - 1864 Frankfort Ave Ste 206, Louisville, KY 40206, United States - **Townsend Financial Planning** - 710 E Main St, Lexington, KY 40502, United States - **High Knoll Wealth Advisors** - 115 W Short St, Lexington, KY 40507, United States
Yes. If you’re in the Frankfort, Kentucky area, I found several firms that appear to fit your criteria. I would prioritize fee-only + fiduciary + no insurance/product commissions, rather than simply looking for someone who calls themselves a “financial planner.”
connect.xyplanningnetwork.com is useful because its directory specifically screens for CFP® professionals who offer fee-only planning and sign a fiduciary oath.
NAPFA is another good source. Its members are focused on fee-only financial planning, and its standards are particularly useful if your goal is to avoid commission-based product sales.
I'd make the first question very direct:
“Are you 100% fee-only, and does anyone at your firm receive commissions, referral fees, or other compensation from insurance companies or investment-product providers?” Then ask:
For your particular requirement, I'd start with Essa Financial and Townsend Financial Planning, because I found explicit information addressing insurance commissions rather than merely a generic “fee-only” claim.
If you tell me your approximate investable assets, age/retirement status, and whether you want one-time planning or an ongoing relationship, I can narrow this to 3–4 candidates and compare their fees, minimums, services, distance from Frankfort, and insurance/product-sales policies.
Then ask:
For your particular requirement, I'd start with Essa Financial and Townsend Financial Planning, because I found explicit information addressing insurance commissions rather than merely a generic “fee-only” claim.
If you tell me your approximate investable assets, age/retirement status, and whether you want one-time planning or an ongoing relationship, I can narrow this to 3–4 candidates and compare their fees, minimums, services, distance from Frankfort, and insurance/product-sales policies.
Finding a true **fee-only, fiduciary** financial planner who does not sell insurance or earn commissions is the gold standard for unbiased financial advice. To ensure an advisor has zero conflicts of interest regarding insurance products, you should look for advisors belonging to strict fee-only professional…
Finding a true fee-only, fiduciary financial planner who does not sell insurance or earn commissions is the gold standard for unbiased financial advice.
To ensure an advisor has zero conflicts of interest regarding insurance products, you should look for advisors belonging to strict fee-only professional organizations and verify their status.
Top Directories to Find Fee-Only Advisors
Crucial Screening Questions to Ask
Even within directories, it is vital to double-check during your initial consultation:
If you share your general location (city/state) or whether you prefer virtual vs. in-person meetings , I can guide you more specifically on how to filter these directories or tell you what specific credential letters (like CFP®) to look out for.
Finding a true fee-only financial planner who operates under a fiduciary standard and has no hidden product sales or insurance incentives is the best way to ensure unbiased advice.[](https://www.napfa.org/financial-planning/how-to-find-an-advisor)…
Finding a true fee-only financial planner who operates under a fiduciary standard and has no hidden product sales or insurance incentives is the best way to ensure unbiased advice.
To find the right planner, use these dedicated, vetted directories that strictly vet for a fee-only, non-commission model:
If you share your preferred payment structure (hourly, flat-fee project, or percentage of assets) and whether you want virtual or in-person meetings , I can help you narrow down which network or specific search criteria fits you best.
Yes. Given your location in the Thorsby area, I’d focus on **fee-only fiduciaries in the Birmingham/central Alabama area**, including planners who work virtually. A true **fee-only** advisor is compensated only by clients—not commissions from investment or insurance products. NAPFA specifically requires its members to…
Yes. Given your location in the Thorsby area, I’d focus on fee-only fiduciaries in the Birmingham/central Alabama area, including planners who work virtually.
A true fee-only advisor is compensated only by clients—not commissions from investment or insurance products. NAPFA specifically requires its members to operate this way, and its fiduciary standard prohibits commissions for financial-product sales.
One important distinction: I would ask specifically, “Does anyone at your firm hold an insurance license or receive any compensation whatsoever from insurance sales or referrals?” A firm can call itself fee-only while an affiliated person or separate entity has an insurance arrangement, so I'd want that answered clearly before engaging them.
The Garrett Planning Network advisor directory is worth looking at. Garrett members must be fee-only fiduciaries, and its advisors don't sell financial products; they sell their time and expertise.
If you'd like, I can narrow this down to 3–5 planners who are closest to Thorsby and specifically meet all three requirements: fee-only, fiduciary, and absolutely no insurance sales, and compare their fees, minimums, specialties, and distance from you.
Yes. Since you’re looking around the Berwyn/western-suburbs area, I found several **fee-only, fiduciary planners that explicitly say they do not sell financial products or receive commissions**. That is a good fit for your requirement to avoid insurance sales. ### Strong local candidates - Focused Up Financial, LLC —…
Yes. Since you’re looking around the Berwyn/western-suburbs area, I found several fee-only, fiduciary planners that explicitly say they do not sell financial products or receive commissions. That is a good fit for your requirement to avoid insurance sales.
Another useful directory specifically verifies planners as fee-only, fiduciary, and independent. It currently lists JoAnn May's Forest Asset Management in Berwyn, although another directory classifies that practice as commission-and-fee, so I would not put it on your shortlist without clarifying the compensation arrangement first.
I'd start with Focused Up, Everett Wealth Solutions, and Timothy Financial Counsel. They give you three somewhat different models:
| Planner | Location | Why I'd consider them |
|---|---|---|
| Focused Up | La Grange | CFP + CPA; retirement/tax emphasis |
| Everett Wealth | Forest Park | Very close to Berwyn; comprehensive planning |
| Timothy Financial | Wheaton/Chicago | Hourly-only advice; particularly clean separation from product sales |
When you interview them, I'd ask this exact question:
“Are you 100% fee-only, and does anyone at your firm receive any compensation, commission, referral fee, or other incentive for recommending or selling life insurance, annuities, or other insurance products?”
I'd also ask whether they sell insurance themselves or refer clients to an insurance agent. “We don't sell insurance” is stronger than simply saying “we're fiduciaries.”
If you'd like, I can also narrow this down to 3–5 planners within, say, 10 miles of Berwyn and compare their fees, minimums, specialties, and whether they offer hourly/one-time planning versus ongoing asset management.
To find a financial planner who is **fee-only and does not sell insurance** , you are looking for an **"Advice-Only"** or **"Fee-Only"** fiduciary. By definition, true fee-only advisors **never** earn commissions from selling insurance policies, annuities, or mutual funds. They are paid directly by you for their…
To find a financial planner who is fee-only and does not sell insurance , you are looking for an "Advice-Only" or "Fee-Only" fiduciary. By definition, true fee-only advisors never earn commissions from selling insurance policies, annuities, or mutual funds. They are paid directly by you for their advice.
Top Directories to Find Your Planner
You can easily source and vet non-insurance-selling professionals using these trusted nationwide directories:
Understanding the Fees They Do Charge
While they won't sell you insurance, fee-only planners still need to be paid. They generally charge in one of three ways:
Crucial Questions to Ask in an Interview
Even when using fee-only directories, protect yourself by asking these exact screening questions during your introductory call:
To help narrow your search, would you like me to find local options in your specific city , or are you looking for a virtual planner who can work with you anywhere?
Finding a true fee-only financial planner who does not sell insurance or take product commissions is a smart move to avoid conflicts of interest. By definition, true fee-only advisors are compensated solely by you (the client) and do not receive kickbacks, hidden product incentives, or commissions on insurance,…
Finding a true fee-only financial planner who does not sell insurance or take product commissions is a smart move to avoid conflicts of interest. By definition, true fee-only advisors are compensated solely by you (the client) and do not receive kickbacks, hidden product incentives, or commissions on insurance, annuities, or securities.
However, keep in mind that "fee-only" can still include Asset Under Management (AUM) models (where they charge ~$1%% of the portfolio they manage for you). If you want an advisor who doesn't even manage your investments or tie their fees to your net worth, you specifically want an advice-only, flat-fee, or hourly advisor.
Top resources and directories to find vetted professionals who match your criteria:
If you'd like to narrow this down, let me know:
Absolutely. I can help you find **fee-only financial planners who do not sell insurance**, but I need your location to identify suitable local firms. genui{"ask_user_location_v2":{"suggested_cities":["Inwood, NY","New York City, NY","Long Island, NY"]}} Once you provide your city/area, I can look for planners and…
Absolutely. I can help you find fee-only financial planners who do not sell insurance, but I need your location to identify suitable local firms.
genui{"ask_user_location_v2":{"suggested_cities":["Inwood, NY","New York City, NY","Long Island, NY"]}}
Once you provide your city/area, I can look for planners and specifically screen for:
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