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Availability

  • Curtis (Curt) Sheldon AIF®,CFP®,EA,MBA

    Alexandria, VA

    Personal Finance, Retirement, Taxes

    320 answers

    333 out of 460 people found Curtis (Curt)'s answers helpful

    Most recent answer
    What is the best way to fill out a W-4 form so most of my money stays with me?

    Your high school teacher was essentially correct.  You don't want to give Uncle Sam an interest free loan.  On the other hand, you don't want to owe more than $500 or you could be subject to penalties.Most likely in your scenario Single with zero or one exemption should get your withholding about right.Once you get a paystub or two you could fill out a Form 1040-ES to see if your withholding will work out correctly...the form isn't that hard 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.
  • James Kinney CFP®,CCPS

    Bridgewater, NJ
    Cranbury, NJ
    Flanders, NJ

    Personal Finance, Retirement, Investing

    129 answers

    181 out of 241 people found James's answers helpful

    Most recent answer
    If before I fill out the FAFSA form, I move assets around- take out a $10k line of credit (that has interest expense) and put it in a $10k investment (that has some income), will this lower the potential for my daughter to get student aid?

    As noted, borrowing to invest is rarely a great idea, although a full analysis of the investment opportunity is warranted.  I don't believe in borrowing to invest in the stock market, but it is not uncommon for people to borrow to invest in their own or a relative's business venture, so it depends.The net effect would be negative on financial aid.  You have increased your assets by $10,000 which will increase your EFC.  That said, it may not matter.  Many people find that it...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.
  • Myles Newborn III CFP®

    Stony Point, NY

    Personal Finance, Retirement, Taxes

    8 answers

    9 out of 9 people found Myles's answers helpful

    Most recent answer
    Will unpaid medical collections drop off your credit report after 7 years?

    Yes, unpaid medical collections should drop off your credit report after 7 years from last activity date. Last activity is considered last payment or last transaction. They’re other debt that will not drop off such as school loans, tax debt, child support and alimony. If have questions about items on your credit report, you may dispute the information.  For help in disputing items on your credit report, check the Federal Trade Commission website:...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.
  • David Hunter CFP®

    Asheville, NC
    Greenville, SC

    Personal Finance, Retirement, Investing

    324 answers

    177 out of 305 people found David's answers helpful

    Most recent answer
    I will soon get a check for $500,000. I have $354,000 in student loans. Should I pay those off first?

    That is the safe plan.  Especially if the student loan interferes with your abiltity to get other loans ie. mortgages, cars, credit cards.An alternative would be to invest the cash and use the interest or dividends to pay the student loan. Best...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.
  • W. Devin Wolf CFP®

    Bellingham, WA

    Personal Finance, Retirement, Investing

    3 answers

    1 out of 2 person found W. Devin's answers helpful

    Most recent answer
    I'm 31 and looking to open my first Roth IRA account. I'm trying to determine what my best option is for an account that I can just leave on auto-pilot and not worry about actively trading, something like the Vanguard All in One Fund. Suggestions?

    A Vanguard all in one fund is a great solution. At this point how much you save and how you save it is 80% of the battle toward financial success. That being said, I do encourage you to look under the hood of the investment, examine your own risk tolerance, and figure out what is right for you.For example you might compare VASGX the Vanguard LifeStrategy Growth Fund, VFIFX the Target Retirement 2050  Fund, or a portfolio you compose yourself.As you dig in you'll notice VASGX and...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 Twining CFP®

    Bellingham, WA

    Personal Finance, Retirement, Investing

    41 answers

    126 out of 172 people found James's answers helpful

    Most recent answer
    I have been offered an opportunity to invest in mortgage note secured by the deed of trust in 1st position. How safe is it and what is the risk?

    It depends upon the specific mortgage and how it is structured.  And therein lies part of the problem:  Are you expert in evaluating this opportunity? There are considerable protections when investing in a collective security such as a REIT or mutual fund that invests in mortgages:  you have standard disclosures in regard to cost,  you normally have SIPC insurance against fraud, and you have diversification among many mortgages.  You have none of those...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

    459 answers

    130 out of 215 people found Craig's answers helpful

    Most recent answer
    I want to invest about $50,0000 annually for my tax savings. Where should I invest if I don't want to block my money for a long period of time?

    I see that no one has answered you, so I will take a crack.  Your question leaves a lot more questions for me.  Try to rephrase and resubmit a question.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.
  • Brian McCann CFP®

    San Jose, CA

    Personal Finance, Retirement, Investing

    175 answers

    65 out of 68 people found Brian's answers helpful

    Most recent answer
    What's the right proportion of some low-risk funds versus individual stocks (which I know are much higher risk) for my investment portfolio?

    I would limit the amount of money you invest in individual stocks. At least until you have much more experience investing in them! Don't invest any more than you can comfortably afford to lose. and make sure to research any company that you are investing in thoroughly. For the reminder of your funds, I would suggest reading a short book: "The Elements of Investing" by Malkiel and Ellis. This should give you a foundation to build your plan with.I hope this helps!Take...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.
  • Chris Lyding

    Phoenix, AZ

    1 answer

    0 out of 0 people found Chris's answers helpful

    Most recent answer
    We're trying to consolidate student loans for a recent graduate and trying to determine if she's eligible for the "Pay as you Earn" program. She earned less than $8,000 last year in income, however just accepted a job that pays an annual salary of $27,000. Do you think she'll qualify?

    There are too many unknown factors to say specifically in your case.  Here are a few things to start with:1. Assuming she filed a tax return last year (2013?), what was her Adjusted Gross Income on the return?  Based on her $8,000 income and assuming she filed a tax return and that her loan balance is fairly large, she will probably qualify under this component.2. What are her outstanding loans? Are they Federal Loans? Has she consolidated them?  This is very important because...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

    30 answers

    57 out of 71 people found Gary's answers helpful

    Most recent answer
    Tomorrow I interview to join a young startup as employee #1. What sort of option percentage is expected? If they can't meet my ideal salary how do should calculate the additional options required to make it economically advantageous to me?

    First of all, congrats on this opportunity!  It's exciting to be a part of a new startup.In simple terms, the percentage of the company they'll offer you in stock options depends on how strategic your position is.  If it's a tech company, engineers are most valuable.  As a startup matures they need leadership such as engineering managers, marketing executives, and potentially a full-time CFO.  These are all strategic positions that could be worth up to 5.0% - 7.0% of 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.
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