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Fee Structures

How an advisor is compensated can have an impact on the type of advice that you receive. Fee-only advisors are paid solely by the client, while commission-based brokers are paid by third parties in return for selling specific products. Many advisors receive both fees and commissions. See our "Guide to Financial Advisor Compensation" for more information.

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While designations are not everything when selecting a financial advisor, they often indicate a certain level of knowledge related to a specific field and/or commitment to certain ethical and professional standards. Please see our detailed Guide to Financial Advisor Designations for more information.

Availability

  • ClearPoint Credit Counseling Solutions NFCC Certified Credit Counselor

    Atlanta, GA

    Personal Finance

    61 answers

    7 out of 9 people found ClearPoint Credit's answers helpful

    Most recent answer
    I currently have $28,000 in unsecured credit card debt. I am currently working with a company called Plan B Debt and Credit Consultants. I am looking for any advice on whether these guys are for real, or what I should expect. It seems like it may be "too good to be true sort of deal" however I am open to suggestions.

    The company you reference has a D- rating with the BBB and the Consumer Financial Protection Bureau warns consumers against debt settlement companies.  If your accounts have not already been transferred from the original creditors to 3rd party collection agencies I would reach out to a nonprofit accredited credit counseling agency that has a good rating with the BBB.  If they are already in collection you may ultimately be better-served exploring bankruptcy after speaking with a...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Sherry Bijan

    San Francisco, CA

    Retirement, Investing, Small Business

    92 answers

    39 out of 48 people found Sherry's answers helpful

    Most recent answer
    I would like to provide a line of credit (RLOC) for a friend's business. How do I set it up? Are there banks or other institutions that have the infrastructure in place for this?

    You can establish a revolving line of credit among yourselves and define clauses and provisions, terms and conditions. Ensure that all agreed upon terms are in writing, signed by all parties and notarized.  In order to protect your investment it is advisable to determine a collateral of equal value or equity in the venture, thus consider a secured vs an unsecured RLOC and further opt for a closed end line that has expiration terms and conditions, a fixed amount of money, loaned for a fixed...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Richard Rosso CFP®,CIMA

    Houston, TX

    Personal Finance, Retirement, Investing

    30 answers

    23 out of 35 people found Richard's answers helpful

    Most recent answer
    We recently began working with a financial planner who has been aggressively trying to sell us whole life insurance. What are your experiences with Whole Life Insurance to be used as an avenue of investment and/or life insurance? Would you recommend this to a young couple in our situation?

    Frankly, with your great savings habits and all you've accomplished at age 30, I think you need to separate your life insurance needs from the goals of investments. In other words, do you require additional savings in tax-sheltered vehicles when you possess strong fiscal habits?I say no.First, begin with the calculation of household life insurance needs. How much would each of you require in case of death of a partner. You don't have children yet so there isn't a requirement to care...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Johanna Fox Turner CFP®,CPA

    Mayfield, KY

    Personal Finance, Retirement, Small Business

    959 answers

    313 out of 345 people found Johanna's answers helpful

    Most recent answer
    I have $60k in a Canadian RSP account, and $10k in a TFSA account. How would this be treated for tax purposes if I move it to the US? Can I move it to similar retirement savings vehicles in the US?

    Sorry you have not yet received an answer - your question just popped up on my radar and I'll try to help.You cannot convert your funds to an American retirement account (IRA). This would be deemed a distribution under Canadian law and an excess constribution under US law. Your best option is to leave the accounts intact until retirement when you can begin distibutions without penalty. Details in this excellent and relevant article.If you are a US citizen who was a resident of Canada, your TSA...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Money Management International (NFCC) NFCC Certified Credit Counselor

    Sugar Land, TX

    Personal Finance

    1 answer

    0 out of 0 people found Money Management 's answers helpful

    Most recent answer
    I heard that when you get your loans consolidated, they consolidate all the available loans possible. If I want to hold off on my graduate school loans because they are deferred for 6 months after graduation, should I just hold off consolidating until then?

    Thank you for asking your question here at Nerd Wallet.  It’s important to have accurate information when making decisions about your student loans!  You do not have to consolidate all of your loans.  During the application process, you select which loans you would like to consolidate.  Consolidation can be a good option to bring all your loans into one simple payment, lower your monthly payment, or to switch your variable interest loans into a fixed rate loan. However,...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Vip Patel CAIA

    Round Lake, IL

    Personal Finance

    9 answers

    3 out of 3 people found Vip's answers helpful

    Most recent answer
    I opened a credit card with my bank in my name, due to separation for an upcoming divorce. The personal banker told me I could have 0% financing for 1 year and then, depending on my credit score it would be 10% to 15% interest after & she printed the documents for me. I get my second bill online and they show interest. Doesn't the Card Act of 2009 protect me with getting a 45 day notice of this? Does the Car Act of 2009 help me fight a bankers error?

    Review your original printed documents and see if the zero percent quote has any conditions on it (there may be a clause that the final offer would be pending a detailed credit review. See if anything about other banking activity is mentioned.)br>Is the joint account past due, which may have impacted your personal credit score of 812? Was there a minimum payment in the first month which you may have missed.If the initial offer did not have conditions on it, you may be able to reach customer...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Brian McCann CFP®

    San Jose, CA

    Personal Finance, Retirement, Investing

    299 answers

    97 out of 103 people found Brian's answers helpful

    Most recent answer
    I'm looking to upgrade to a larger apartment in San Francisco. I make $100,000 per year (gross). How much should I be spending on rent?

    There are stock answers to questions like this. A third of your take home pay is a reasonable rule of thumb. But the issue is really a personal one. San Francisco is an extremely expensive housing market - I lived there for 8 years and still live in the bay area. Finding a place to live for 1/3 of your take home pay could be quite challenging for some. I've seen people devote up to 50% to rent - although I wouldn't recommend this.On of the issues if you spend a lot on rent is it tends to "crowd...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Craig Smalley EA,CEP

    Orlando, FL
    Henderson, NV
    Wilmington, DE

    Personal Finance, Taxes, Small Business

    621 answers

    166 out of 267 people found Craig's answers helpful

    Most recent answer
    I'm planning on getting a business credit card to finance the start of my business. Is there any reason why I should not?

    A business credit card isn't a bad thing to have, as long as you pay off the balance each month.  I wouldn't say go into debt for any reason.  Be careful.Craig W. Smalley, E.A.Admitted to Practice Before the Internal Revenue...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • J.R. Robinson

    Honolulu, HI

    Personal Finance, Retirement, Investing

    95 answers

    69 out of 72 people found J.R.'s answers helpful

    Most recent answer
    My husband and I are both self-employed, and our combined income this year is very low due to health issues and slow economy (under $25,000). But we have put large amount of money in a UTMA account for our daughter (over $60,000 in CDs). I was advised to transfer the all or most of money from UTMA to Custodial 529. Is this the best option for us to be able to increase financial aid chances?

    The short answer is that you probably should transfer the assets from the UTMA account a Custodial 529 as assets in a 529 plan (even a custodial 529) are weighted the same as assets owned by the parents in the federal financial aid formula.  Not sure if it is too late to help or not, most colleges will look back at returns from her junior year, but it is worth a try.  NOTE:  If you do transfer the UTMA assets to a 529 Plan, you may use the plan's money market fund or fixed...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
  • Charles J Stevens Jr

    Plymouth, MA

    Personal Finance, Retirement, Investing

    226 answers

    151 out of 220 people found Charles J's answers helpful

    Most recent answer
    What is the best financial plan for a 70 year old couple?

    There are two professionals that can help you establish a viable answer to your question.There are a number of highly qualified financial professionals who regularly post on NerdWallet. Any one of them can help you with the financial piece of your puzzle. In addition, you should look at the website www.naela.org.  At your stage in life, you would benefit from working with an attorney who specializes in issues confronting folks at your age. Even if you have your legal documents in what...more »

    Advisors offer free consultations to determine if you're a good fit for one another. Providing more information in the consultation request will help advisors have a better sense of what you're looking for. The advisor will contact you via email and set up a time to meet. Depending on the advisor, and your preferences, this could be an in-person or online meeting. You are under no obligation to engage them after meeting with them.
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