Focus Areas

Client Specialties

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.

Typical Min. Client Assets

Designations

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

  • Sam Farrington

    Omaha, NE

    Personal Finance, Retirement, Investing

    36 answers

    24 out of 26 people found Sam's answers helpful

    Most recent answer
    I am married live in New York City with 3 kids under 13. My wife and I both work and have about $9000 in credit card and line of credit debt. We also have a mortgage that we modified to 40 years at 4.125%. What should be our priority in paying bills? What bank accounts are best for us? Should we skip credit card payments to pay taxes?

    I'm sorry to hear that you're in this predicament. My personal opinion is to take care of the taxes first and preferably get the mortgage current at the same time. The credit cards can wait. You've got to keep the IRS happy (they have way more power than the credit card companies) and make sure your family has a roof to live under. Not paying the credit cards will hurt your credit, but my guess is your credit is already hurt if you've been late on your mortgage. The downside is the credit card...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.
  • Springboard (NFCC) NFCC Certified Credit Counselor

    Riverside, CA

    Personal Finance

    4 answers

    1 out of 1 person found Springboard's answers helpful

    Most recent answer
    I have 6 year old debt from credit cards. Collections are trying to get me to pay them at a discounted rate. If I did want to settle my debt, will it start the clock over and I will have to wait 7 more years for this to clear? If I do want to settle, do I contact the original loan holder or do I have to deal with this new collection agency? Is it legal for the people who bought my debt to add it to my credit report?

    There are several different scenarios to consider prior to making the decision tosettle a debt. For example, you should consider the amount of the debt, the amount of the settlement offer, or whether you will soon be making a major purchase such as a home or new automobile. Your two most recent years of payment history will be most important to lenders for home mortgages and auto loans.  Late or missed payments can report to your credit file for 7 years from the date of...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.
  • Gary Alt AIF®,CFP®

    Pleasanton, CA

    Retirement, Investing, Small Business

    32 answers

    58 out of 67 people found Gary's answers helpful

    Most recent answer
    I was full retirement age in August and started to collect SS. What will my tax rate be if I collect $1521 per month from Social Security?

    Because you are still working, you might not actually need your Social Security benefit now.  If that's the case, you can withdraw your application from the Social Security Administration now, pay them back the amount they've given you, and your benefit will increase 8% for every year that you delay collecting your benefit (or 2/3 of 1% for every month you delay).  Note: If you wait until 12 months or later after you reached your full retirement age you won't be able to withdraw your...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.
  • Guy Baker CFP®,AEP,ChFC,CLU

    Irvine, CA

    Retirement, Investing, Insurance

    2535 answers

    1170 out of 1429 people found Guy's answers helpful

    Most recent answer
    I just transferred 100% of my 401k to a Roth IRA, which was around $33k. I am 55 years old and still working with the company. Do you think it was good idea?

    I guess a lot has to do with the answers to these questions:1. How much do you have saved for retirement now?2. What is your income tax situation now?3. How much tax will this cost you?If you are in a 15% bracket - you just spent $5000 to get this into the ROTH - how long will it take for the tax free grow to pay that back. I am thinking, it won't happen. But if you paid zero tax to do this, then it probably was a good idea.Had you left it in your 401k - and put the $5000 of tax into the ROTH -...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.
  • Anthony Isola CFP®

    Stony Brook, NY

    Personal Finance, Retirement, Investing

    4 answers

    3 out of 3 people found Anthony's answers helpful

    Most recent answer
    I'm concerned with they types of companies I'm investing in. What would you recommend?

    Here is my advice. Do not invest in individual companies, invest in broad based low cost index funds. Do not worry about the ratings, they are backward looking, I would also ask your broker if he is Fiduciary and is looking out for your best interests. If he does not respond with an immediate yes, I would recommend you explore other options no matter how much you like him. Costs and diversification will determine your success regarding investing. Stock picking is not the way to go for most...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 Smit CEPA

    Sioux Falls, SD

    Personal Finance, Investing, Small Business

    10 answers

    4 out of 4 people found Brian's answers helpful

    Most recent answer
    I took my husband's social security years ago after he passed because my children were little. When can I start collecting my social security?

    Great question and I commend you for searching out information on this subject.  Selecting a beneficial Social Security claiming strategy has the potential to increase the amount you receive from Social Security by tens of thousands of dollars. First off, the fact that you claimed a benefit based on your husband’s Social Security work record while your children were young doesn’t eliminate your ability to claim a benefit based on his work record when you reach age 60. ...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

    394 answers

    1648 out of 1732 people found J.R.'s answers helpful

    Most recent answer
    My father passed away 16 years ago. He informed me that he had a trust, but did not give me a copy at the time of his death. How do I know if the trust still exists? What's the next step?

    Hello.  This is an interesting question.  As Mr. Katz indicated, if your father had a trust, the terms of the trust would dictate the disposition of the assets.  If you were neither named as a successor trustee or as a beneficiary of the trust, I don't believe there is any legal obligation to include you in the process of settling the trust nor would you be legally entitled to receive a copy of the trust.  HOWEVER, it is important to understand that the trust...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.
  • Stephen Reh CFA,CFP®,MBA

    La Verne, CA

    Personal Finance, Retirement, Investing

    4 answers

    2 out of 2 people found Stephen's answers helpful

    Most recent answer
    I'm a 20 year old single college student who just got her first paycheck. I want to make sure that I develop good habits with my money but am unsure of where to start. If you could go back in time and change anything about your financial habits as a 20 year old, what would you change?

    I think I would have liked to start with this:1) Create a list of my needs - these are things you have had to pay now2) Create a list of wants - things I want but don't need.Review these lists annually to keep my wants from becoming needs.  I am amazed at how much more money I spend now than when I was a college student.  Its also very temping once you graduate and get a well paying job to start thinking about things "you deserve".The other part was wishing I read the book below...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.
  • James Hiles ChFC

    Shrewsbury, NJ
    NewYork, NY

    Retirement, Investing

    9 answers

    11 out of 13 people found James's answers helpful

    Most recent answer
    U.S. stocks are an attractive investment and are pushing higher with valuations on the rise. Is there a predetermined valuation ratio? With today’s ratio as high as it is, how do I keep a watchful eye on my stock exposure, i.e let it ride or stop orders to shield against large losses?

    If things were only that easy! Yes, US stocks are attractive and seem to be pushing higher. But how much higher and when do prices get too high? That is the basic question of valuation and there are many measures however the most used is Price to Earnings or P divided E. Simply price divided by earnings which creates a ratio or number that you can use to compare different investments. You can find stock prices and earnings numbers on any financial site and do the math. The indexes such as the...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.
  • ClearPoint Credit Counseling Solutions NFCC Certified Credit Counselor

    Atlanta, GA

    Personal Finance

    240 answers

    67 out of 77 people found ClearPoint Credit's answers helpful

    Most recent answer
    I'm considering refinancing my mortgage and my mortgage broker has provided a fees worksheet with the estimated closing costs and the resulting payment. What is a fair amount to pay for these type fees for a refinance and what other fees are negotiable?

    It is not unusual to pay 3% to 6% of your outstanding principal balance in refinancing fees. Refinancing fees vary from state to state and lender to lender. Shopping around for a home loan will help you get the best financing deal.  Don’t be afraid to make lenders and brokers compete with each other for your business by letting them know that you are shopping for the best deal.  You may want to start with your current lender.  That lender may want to keep your business,...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.
×

Add Video

Upload

Add Video

100%

Please wait while your file is being uploaded.

Add Video

How to Save for a Mortgage

Video Uploaded

Add Another I'm Done

Preview Video

×

*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process. Please note that NerdWallet has financial relationships with some of the merchants mentioned here. NerdWallet may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

*Advertiser Disclosure: Many of the credit card offers that appear on this site are from companies from which NerdWallet receives compensation. The results of our “card comparison and finder tool”, card assessments, and reviews are based on objective quantitative and qualitative analysis of card attributes. They are not affected by compensation. Compensation may impact which cards we review and write about and how and where products appear on this site (including, for example, the order in which they appear). While we try to feature as many credit cards offers on our site as we can maintain (1,700+ and counting!), we recognize that our site does not feature every card company or card available on the market. Additionally, our star ratings are a mix of user feedback and NerdWallet’s independent evaluation which are independent of compensation. For a list of all of our advertising partners, click here

© Copyright 2015 NerdWallet, Inc. All Rights Reserved. Privacy Policy|Terms of Use
Nerdwallet, Inc. is a BBB Accredited Financial Service in San Francisco, CA