Our Process

Whether it’s developing a financial plan, creating and managing an investment portfolio or undertaking a comprehensive advisory relationship, we at Personal Financial Advisors follow well-defined processes. Our disciplined procedures are the key to consistently meeting the high level of client service to which we’re committed.

Each client’s needs are unique, and our processes help to ensure that we understand your situation and your wishes clearly and deliver advice, solutions and services at the highest level of quality. Our Wealth Management process, below, exemplifies our approach. 

  • Discovery

    Our Wealth Management relationships begin with a systematic approach to understanding your financial situation and your personal and financial goals. We discuss your comfort level with risk as well as the timeframe in which you’d like to achieve your goals. In addition, we clearly describe:

    • The services we will provide
    • How we’re paid
    • What our responsibilities and yours will be
  • Design

    We then evaluate your financial situation and goals, and design a detailed financial plan as well as an investment strategy. Once our recommendations are complete, we’ll meet with you in order to:

    • Explain our advice and recommendations in detail
    • Listen to your feedback, including any concerns you may have
    • Explain how we may adjust your financial plan and investment approach is and when conditions warrant
  • Implementation

    Once you agree to a set of recommendations, they will be implemented. Depending on the action point, that will be handled by:

    • Our firm or
    • Your outside expert (such as a CPA) or by one that we recommend.
  • Maintenance

    With recommendations implemented, we will actively and continually monitor your progress toward your goals. We will meet with you regularly for updates, to answer questions and to discuss any adjustments that may be necessitated by changes in:

    • Your personal situation
    • Market conditions
    • Economic conditions

NAPFA Affiliates:

Fee-Only Certified Financial Advisor in Huntsville, Gadsden, Tuscaloosa, and Birmingham, Alabama

Longview Financial Advisors, Inc., a firm that focuses on the Huntsville, Gadsden, Tuscaloosa and Birmingham, Alabama areas, has a team of Certified Financial PlannerTM professionals that specialize in comprehensive, fee-only financial planning, business, retirement, estate planning, and investment management.


NAPFA, Fee-Only, Fiduciary, Certified Financial Planner, Independent Financial Advisor in Jackson, Mississippi

Bergland Wealth Management is an independent Registered Investment Advisor firm with a team of Certified Financial Planner Certificants who offer Fee-Only, fiduciary, comprehensive financial planning.  BWM is located in Ridgeland, MS, north of Jackson near Madison and Brandon.


Financial Advisor & Independent Fee Only Certified Financial Planner in Las Vegas, NV

Red Rock Wealth Management is a Las Vegas Based Fee Only Independent CERTIFIED FINANCIAL PLANNER & Wealth Management Firm in Las Vegas, NV.


Independent Investment Advisor Lake Oswego Portland Oregon Fee Only

Cascade Wealth Management, LLC is a fee-only registered investment advisor offering financial and retirement planning and passive investment management services to affluent individuals and families in Lake Oswego and Portland, Oregon.


Bogue Asset Management LLC-Jeff Bogue-Independent Fee-Only CFP-Financial Advisor in Maine

Bogue Asset Management LLC is a fee-only financial planning and investment advisory firm located inMaine, specializing in comprehensive wealth management, retirement planning and investment management in Southern Maine.


Fee-only financial planner and wealth manager in Atlanta and St. Simons Island, GA

We are a fee-only planning firm that has served clients in Atlanta and St. Simons Island Georgia for over 20 years. We offer comprehensive financial planning, wealth management and planning on an hourly basis.


JPH Advisory Group - Atlanta's Personal CFO for Integrated Wealth Management

Jon Houk, a CERTIFIED FINANCIAL PLANNER™ professional with over 25 years experience, founded JPH Advisory Group to provide integrated wealth management for Atlanta families that need an independent, holistic, and unbiased approach to achieving their most important financial goals.


Fee Only Investment Advisor  Certified Financial Planner  CPA  Retirement Planner in Raleigh, NC

Beacon Financial Strategies is a Fee-Only financial planning, tax planning and investment management firm offering ongoing and one-time wealth management engagements to discerning clients in Raleigh, Durham, Research Triangle Park, NC and nationwide.


Fiduciary Fee Only Investment Advisor NAPFA Member - Certified Financial Planner Retirement Planner Financial Advisor in Cincinnati, OH

Ritter Daniher Financial Advisory, LLC is a fee only, fiduciary wealth management firm offering comprehensive financial planning, retirement planning and investment management to clientele located in Cincinnati and nationwide. All advisors are members of NAPFA, the National Association of Personal Financial Advisors.


Posey Capital is a fee-only financial advisor and NAPFA member in Houston, Texas.

Posey Capital Management is a fee-only investment advisor located in Houston, Texas, in the Village/Rice University area.  The firm provides comprehensive financial planning (including retirement cash flow planning, portfolio management, risk management and estate planning) on a fee-only basis.  An initial consultation is free of charge. 


Weingarten Associates, LLS is an independent, fee-only Registered Investment Advisor in Lawrenceville, NJ

Weingarten Associates is an independent, fee-only Registered Investment Advisor in Lawrencevile, NJ. We make a difference in the lives of our clients by providing them with exceptional financial planning, investment management and tax advice.  


Fee-Only Certified Financial Planners in Buffalo, NY

Ogorek Wealth Management LLC is a fee-only comprehensive wealth management firm offering retirement planning, investment management and financial planning to clients in Buffalo, Western New York and nationwide.


Fee-Only Certified Financial Planner and Investment Advisor in Tampa, Florida

Florida Financial Advisors, Inc., located in Tampa, Florida, is a Registered Investment Advisor firm proudly serving clients for the last 25 years in all areas of financial planning to include investment management, retirement planning, tax planning, estate planning, etc. As Fee-Only financial advisors, we specialize in helping clients meet their short-term and long-term financial goals using a holistic team approach. The firm's founder and president, Douglas P. Hanke, CFP, EA has more than 30 years experience and is a NAPFA-registered, independent financial planner.


Arcadia Investment Advisors, LLC - Fee-Only Financial Advisor with offices in Portland, Oregon, Vancouver, Washington and Boise, Idaho.

Arcadia Investment Advisors, LLC is an independent, fee-only investment advisory firm headquartered in Vancouver, Washington on historic Officers Row with offices in Portland, Oregon and Boise, Idaho. Our mission is to provide investment management services of the highest quality by establishing personalized relationships based upon trust, integrity, knowledge, and communication so that our clients may successfully achieve their financial goals.


Fee Only Certified Planner in Tucson, Arizona

CFP Financial Services include: asset management, wealth management, retirement planning, estate planning, taxes, debt reduction, insurance, investment advice, 401k


Fee-Only Financial Planner and Retirement Advisor in Salt Lake City, Utah

Lon Jefferies with Net Worth Advisory Group is a fee-only financial planner who is dedicated to providing comprehensive financial planning and investment management to individuals who are preparing for or experiencing a major life transition such as retirement, inheritance, career change, etc.


Independent Fee Only Advisor San Diego Certified Financial Planner practitioner

The advisors at Blue Water Capital Management, LLC provide Independent, Fee-Only investment management, retirement plan consulting services, and financial planning to a wide range of clients.


Mentor Capital Management Inc.

Mentor Capital Management Inc. provides comprehensive financial planning and investment advisory services for individuals and small businesses in the Chicago area western suburbs.


Independent CFP and Fee-Only Financial Advisor in Salt Lake City, Utah

Net Worth Advisory Group is an independent fee-only Certified Financial Planner and investment advisor providing comprehensive financial planning in Salt Lake City, Utah.


Fee-only Financial Advisor, College Funding, Retirement and Investment Management in Suburban Philadelphia/Main Line in Pennsylvania

Amrein Financial is a suburban Philadelphia fee only independent financial advisor firm specializing in educational finance, retirement planning and money management on the Main Line.


Seattle, Washington Fee-Only Investment Management & Financial Planning on the Eastside Redmond, Bellevue, Kirkland, Woodinville, Bothel, WA

Sherwood Investment Services in Redmond, WA has 25+ years experience providing completely independent investment management and retirement planning. We manage investments and specialize in helping clients plan for retirement on a Fee-Only basis (no commissions). We serve clients nationwide.


Fee-Only Financial Advisor in San Diego County

Charles L. Stanley CFP ChFC AIF provides Estate Planning and Wealth Management services to his clients throughout the United States through Trovena, LLC, a SEC registered Investment Advisor that has offices in La Jolla and Redondo Beach, CA and Roseland, NJ.


Fee-Only CFP Independent Financial Advisor and Comprehensive Planner in Wayzata, Plymouth, Minneapolis, St. Paul Minnesota

Epple Financial Advisors, LLC is a fee-only comprehensive financial planning firm located in Wayzata, Minnesota and created the Smart Decision Process for business owners and dentists. Rick Epple is a CERTIFIED FINANCIAL PLANNER(TM), providing independent, comprehensive advice, and investment advisory services.


Fee Only Financial Advisor CERTIFIED FINANCIAL PLANNER Retirement Planning in Minneapolis, Minnesota

Hornquist Financial is a Fee Only Financial Planning Registered Investment Advisor Firm serving retirees and business owners in Minneapolis, Minnetonka, St. Louis Park, St. Paul, Edina, Minnesota.


Wealth Coach and Fee-Only CFP in Mountain View CA

Build wealth with an Online Financial Plan developed by a fee-only CFP and Wealth coach with over 25 years of experience.


Fee-Only Financial Advisor and CFP(R) Professional in Newtown, PA.

Michael J. Garry, CFP(R), JD/MBA, owner of Yardley Wealth Management, LLC, is an independent Financial Advisor who provides Fee-Only financial planning services and investment management in Newtown, PA.


A fee-only and NAPFA registered Certified Financial Planner (CFP), CPA and wealth manager in Canton, Michigan and Franklin, Tennessee

Allow us to become your unbiased, trusted financial coordinator and fiduciary in Michigan or Tennessee.  Y.D. Financial Services, Inc.


Fee only financial advisor CFP providing investment asset management and personal financial planning services in Highlands Ranch, Denver, Littleton, Parker, and Aurora, Colorado

Staib Financial Planning is a Fee Only Personal Financial Planning and Investment Asset Management firm providing independent personal financial advice. Our financial advisors provide comprehensive personal financial planning services, including: money management, retirement planning, investment management, income tax planning, college savings, and estate planning. Paul Staib, Certified Financial Planner, CFP, financial advisor.


Sierra Wealth Advisors - Fee-Only Certified Financial Planner and Independent Investment Advisor in Sacramento, CA

Sierra Wealth Advisors is a fee-only wealth management firm serving business owners, nonprofit organizations, individuals, and families in the SacramentoValley, Gold Country, and throughout California.  We are dedicated to research-proven investment practices and the highest ethical standards.


Blankinship & Foster, LLC: Independent, Fee-Only, Wealth Advisory Firm in Solano Beach, CA (North San Diego)

Blankinship & Foster, LLC is an independent, fee-only wealth management firm. We have provided financial planning and investment management to help families better manage their current and future wealth since 1974.


Strasbaugh Financial Advisory, Inc., Fee-Only Advisor, Colorado Springs, CO

We take a holistic approach to financial planning by working with clients to articulate and implement their financial goals. We act as a Fiduciary -- we do not sell products or collect commissions.


Capital Markets Magazine

Investor Education for Main Street America


Fee-Only CFP Independent Financial Advisor in New Orleans, Metairie, Baton Rouge

Ferro Financial, LLC is a fee-only comprehensive financial planning firm located in Metairie, Louisiana, just outside of New Orleans. Shelley Ferro is a CERTIFIED FINANCIAL PLANNER(TM), providing independent, comprehensive advice, and investment advisory services.


Summit Financial Planning,Inc. Fee-Only Wealth Management, Investment Management and Financial Planning in Richmond, VA

Summit Financial Planning in Richmond, VA specializes in asset and wealth management for individuals and corporations, and because we are a fee-only firm, our clients will never pay us commissions of any kind.


Orange County, CA Fee-Only Financial Advisor

Weydert Wealth Management is a Fee-Only investment management and retirement planning firm in Orange County, CA specializing in income optimization and goal planning strategies.


Investor's Capital Management, LLC -- Fee-Only Wealth Management, Investment Management, and Financial Planning for the Bay Area

Unbiased Financial Advice in Menlo Park, CA.  Investor's Capital Management, LLC (ICM), providing financial guidance to the Bay Area since 1999, can give you the peace of mind that comes with knowing you have planned prudently for your future and your loved ones are protected.


Washington Independent Fee-Only CERTIFIED FINANCIAL PLANNER - CFP Certificant, Investment & Financial Advisor  Seattle-Tacoma-Olympia, Washington

Commencement Financial Planning, LLC offers comprehensive fee-only financial planning services to individuals and families in and around Seattle-Tacoma-Olympia, Washington.


Los Altos, CA fee-only personal financial planning and wealth management

Mayflower Capital offers Investment Planning, Personal Financial Planning, Wealth Management. The firm is a Los Altos, California NAPFA-registered fee-only financial planning and investment advisory firm offering independent financial advice.


Financial Advisor and Independent Fee-Only CERTIFIED FINANCIAL PLANNER professional in Austin, TX

Vannoy Advisory Group: A fee-only retirement planning and wealth management firm in Waco TX and Austin TX.   We are dedicated to providing comprehensive financial planning and investment management to individuals who are preparing for or experiencing a major life transition such as retirement, inheritance, career change, etc.


Portland, Oregon and Santa Cruz, California Independent Fee Only Financial Advisors and Certified Financial Planner Professionals

Maas Capital is an independent, fee-only financial planning and investment management practice with offices in Portland, Oregon and Santa Cruz, California. We provide our clients with integrated financial planning and investment management advice, designed to help them achieve financial success and realize their aspirations.


Independent Fee-Only NAPFA Registered Certified Financial Planner CFP, CPA and Wealth Manager in Novi, Michigan

George Papadopoulos is a Fee-Only Certified Financial Planner CFP and CPA providing completely independent financial planning advice and investment management with a strong emphasis on tax planning and retirement planning. 


Chesapeake Va , FEE Only Wealth Management and Financial Planning, Honeycutt Financial, LLC

Honeycutt Financial is a Fee Only comprehensive planning and investment management practice. Comprehensive planning explores goals related to all facets of your financial life and incorporates your values in compiling a workable plan for the long term.


Wealth Conservatory in California, Missouri and New Hampshire

The Wealth Conservatory is a team of independent fee-only Certified Financial Planning professionals with offices in California, Missouri and New Hampshire. We help each of our clients grow and protect their wealth and the lifestyle it supports.


Fee-only, Certified Financial Planner for Socially Responsible Investors in Durham, North Carolina

Lazarus Financial Planning provides comprehensive financial planning for socially responsible investors in the Raleigh, Durham, Chapel Hill Triangle and nationwide.


Fee Only CERTIFIED FINANCIAL PLANNER Financial Advisor Investment Advisor in Charlotte North Carolina NAPFA Registered

Alpha Financial Advisors is a fee-only financial planning and investment advisory firm based in Charlotte, North Carolina. As comprehensive financial planners, we offer a broad array of planning services that will help you achieve your goals.


Charlottesville financial planning firm, Marotta Wealth Management Inc., offers fee-only financial planning services.

Charlottesville financial planning firm, Marotta Wealth Management Inc., offers fee-only financial planning services. Follow the Marotta Advisors as they blog about asset allocation, tax planning, and freedom investing.


Krisan's BackOffice, Inc. provides full-service PortfolioCenter support, tailored to each advisor's needs. Krisan Marotta blogs on PortfolioCenter issues

Krisan's BackOffice, Inc. provides full-service PortfolioCenter support, tailored to each advisor's needs. Krisan Marotta blogs on PortfolioCenter issues and sponsors a PortfolioCenter forum for advisors to share ideas about effectively using Schwab Performance Technology's PortfolioCenter software.


Fee-Only Independent Certified Financial Planner in Greater Boston, Massachusetts

Titanium Advisors, based in Franklin, MA and with offices in Newton, MA and Boston, MA, provides a unique blend of unbiased financial, legal and tax expertise to address the various financial planning issues faced by our clients. 


Fee-Only CFP Independent Financial Advisor, Birmingham, Hoover

Wesban Financial Consultants is a Fee-Only retirement planning and investment  management firm with CERTIFIED FINANCIAL PLANNER (TM) Professionals in Birmingham, Hoover, Vestavia, AL. 


Kentucky, Tennessee NAPFA Fee-Only CPA, CFP, Hourly and Fixed-Price Planning

Milestones Financial Planning, LLC, is located in Mayfield, KY and serves individuals and businesses nationwide. Johanna Fox Turner, CPA, CFP®, RLP™ has over 30 years’ financial experience and offers fee-only investment management and hourly financial, estate, and retirement planning services.


Fee Only Investment Advisor - Financial Planner - Retirement Planner in Knoxville, TN

John Smartt, Jr., Financial Counseling & Administration is a fee-only financial planning and investment management firm offering continuing and one-time investment management advice to clients in East Tennessee and nationwide.  John's expertise with Vanguard--the lowest cost ETF and mutual fund company--has been accumulated over more than 20 years of satisfying clients.