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.

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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

  • Guy Baker CFP®,AEP,ChFC,CLU

    Irvine, CA

    Retirement, Investing, Insurance

    3689 answers

    1929 out of 2385 people found Guy's answers helpful

    Most recent answer
    Can I roll over my retirement and get a small amount in cash to pay off debts and start repairing credit?

    Assuming you are under 59.5 anything you take out of a retirement plan will be taxed plus the IRS will assess a penalty of 10%. It would be a very expensive use of your money. But you can certainly do it.I hope you have another source of funds. Hope this...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.
  • Cherie Stueve AFC®,MBA

    Topeka, KS

    Personal Finance, Retirement

    10 answers

    2 out of 2 people found Cherie's answers helpful

    Most recent answer
    Is there anything I can set up that would allow my employer to automatically deposit a portion of my income into a tax-free savings account to pay for my wife's current loans as well as save for my own future education costs?

    Saving for college is a great way to decrease the amount of loans you will need to take to cover your future expenses.As an adult, you can use a 529 college savings plan. The after-tax contributions will grow tax-free and any withdrawals will also be tax- and penalty-free if used for qualified college expenses. Should your college plans change, you can change the beneficiary to be another close family member.The 529 plans are administered according to a specific state, but you are allowed to...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.
  • Mark Clark CFP®,QKA

    Sarasota, FL

    Personal Finance, Investing, Small Business

    24 answers

    7 out of 9 people found Mark's answers helpful

    Most recent answer
    Can I "roll-over" my 401(k) money into an annuity, and not pay taxes until I withdraw from the annuity?

    The answer to your question is yes as long as you follow the proper steps. First of all, not all annuities are created equal. I would encourage you to do your research on the costs, benefits and restrictions of the annuity.The process of getting your 401k money to the annuity is a trustee to trustee transfer. You will need to open the annuity as a tax qualified annuity, meaning it's titled like an IRA. The trustee of the 401k will transfer your account to the annuity company and the transaction...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.
  • John Gower

    San Francisco, CA

    Personal Finance, Investing

    22 answers

    28 out of 42 people found John's answers helpful

    Most recent answer
    I'm interested in opening a CD, but as I am researching rates, it strikes me that the banks offering the highest rates are banks that I have never heard of and that sound less than legitimate (Bank of Internet???). What is up with that? Is there a hidden risk in opening a CD that the bank may lose my money, and that is why would an unheard of bank offer a greater incentive?

    Many of those banks you may never have heard of (such as Bank of Internet) are actually online-only banks. As long as these banks are FDIC-insured, your money is just as safe as it would be with the big-name banks. All of the banks listed on NerdWallet are FDIC-insured.The reason these types of banks often offer the highest rates is that by operating entirely online or over the phone, they don't have to maintain costly networks of physical branches. Those savings get passed on to their...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.
  • Ryan Fuchs CFP®,JD

    Little Rock, AR

    Personal Finance, Retirement, Investing

    171 answers

    98 out of 106 people found Ryan's answers helpful

    Most recent answer
    Can I roll over my retirement and get a small amount in cash to pay off debts and start repairing credit?

    Whether you can and whether you should are two different things. The paperwork that you received should detail your options, and a lot of times, you can do a partial rollover, coupled with a partial distribution.Just be aware that you will have to pay Federal and state (if applicable) income taxes on any cash taken (provided it was not from a Roth 401k). If you are younger than 59.5, you will also owe a 10% early withdrawal penalty (in addition to the income taxes) on the money taken as cash....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.
  • Michael Chamberlain AIF®,CFP®

    Santa Cruz, CA
    Campbell, CA
    Sacramento, CA

    2 answers

    0 out of 0 people found Michael's answers helpful

    Most recent answer
    Should I save for retirement or pay off debt?

    Hi Thanks for the background info as to your situation and your question. The quick answer is it depends!As an MD, you know the importance of a complete case history and having the test results before you make a diagnoses and write a treatment plan. Additional information would be helpful such as do you have a 401(k) option as a means of savings? Do you have a spouse that is working with retirement plan options. What are the Match provisions or any 401(k) that is available? What is 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.
  • ClearPoint Credit Counseling Solutions NFCC Certified Credit Counselor

    Atlanta, GA

    Personal Finance

    319 answers

    94 out of 112 people found ClearPoint Credit's answers helpful

    Most recent answer
    Should I focus more on saving money or getting out of debt?

    Great question and you aren't alone!  Since you are living at home, it doesn't sound like you need a very large emergency savings fund - just enough to cover any unexpected auto repairs (if you have a car) or to cover deductibles should you have an accident or illness.  Unless you have a very high deductible, are concerned about needing major repairs or replacement or are concerned about your job security, I would say you would be safe with about 3 months of living expenses as an...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.
  • Frank Boucher CFP®,CEBS

    Reston, VA
    Occoquan, VA

    Personal Finance, Retirement, Investing

    136 answers

    76 out of 93 people found Frank's answers helpful

    Most recent answer
    What is the best financial instrument to maximize my savings?

    Sounds like an adventure.You will need that money in 14 months so stocks, bonds, and mutual funds are out.Open up a savings account with an on line bank like Ally or a credit union. The have the best rates. Won't make you rich but you will feel a little...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.
  • Cheryl Welch

    Poughkeepsie, NY

    Insurance, Healthcare

    61 answers

    20 out of 35 people found Cheryl's answers helpful

    Most recent answer
    I have a high medical bill due to an out of network surgery that I didn't know was out of network. Had they accepted my insurance, they would have payed 80%. I have tried calling again but I can't get anyone to return my call. What can I do?

    You need a Medical Bill Advocate to help you sort this all out  and quickly.   If I can be of service please do not hesitate to contact...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.
  • Froilan Rellora

    Mesa, AZ

    Personal Finance, Retirement, Investing

    9 answers

    2 out of 2 people found Froilan's answers helpful

    Most recent answer
    Should I Buy Annuities?

    Your reason for wanting to purchase an annuity is appropriate, guaranteed future income. The thing to keep in mind is the terms and fees of each annuity contract depend on the type and features. For example, some contracts offer a large bonus up front but generally have a longer surrender schedule. I would advise against a variable annuity since you are looking to reduce your stock market exposure. Also, fees on variable annuities are generally much higher than fixed or indexed annuities....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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