# Flat Fee Advisors

> Flat Fee Advisors is a directory of fiduciary financial advisors who manage investments and charge a clear, fixed fee for their advice instead of a percentage of your assets.

Flat Fee Advisors helps consumers find fee-only, fiduciary financial advisors whose pricing is a flat fee rather than a percentage of assets under management (AUM). Every listed advisor manages investments and primarily charges a flat fee. Consumers can search the directory by ZIP code (results are ranked by distance) and filter by specialty. Advisors apply for membership, and once approved pay a flat $59/month, month-to-month subscription to maintain a published profile.

## Key pages
- [Home](https://www.flatfeeadvisors.org/): Overview of the flat fee, fiduciary model and how it differs from AUM pricing.
- [Advisor directory](https://www.flatfeeadvisors.org/advisors): Browse and search every advisor; filter by ZIP code (distance) and specialty.
- [About](https://www.flatfeeadvisors.org/about): What Flat Fee Advisors is and the philosophy behind flat fee, fiduciary advice.
- [FAQ](https://www.flatfeeadvisors.org/faq): Common questions about flat fee advisors and the directory.
- [Blog](https://www.flatfeeadvisors.org/blog): Financial-planning articles republished from member advisors, with attribution.
- [Get listed](https://www.flatfeeadvisors.org/get-listed): For advisors — eligibility criteria and how to apply ($59/month, month-to-month).
- [Contact](https://www.flatfeeadvisors.org/contact): Reach the Flat Fee Advisors team.

## Advisors
- [Allen Mueller, CFA, CFP®, MBA — 7 Saturdays Financial](https://www.flatfeeadvisors.org/advisors/allen-mueller)
- [Amy Buck, CFP®, EA — Planpath Financial, LLC](https://www.flatfeeadvisors.org/advisors/amy-buck)
- [Andy Moran, CFP® — Ad Astra Financial Planning](https://www.flatfeeadvisors.org/advisors/andy-moran)
- [Andy Panko, CFP®, RICP®, TPCP®, EA — Tenon Financial](https://www.flatfeeadvisors.org/advisors/andy-panko)
- [Beau Kemp — Bugle Valley](https://www.flatfeeadvisors.org/advisors/beau-kemp)
- [Betsy Hutchins, CFP®, CRPC®, MHA — Forward Financial Planning](https://www.flatfeeadvisors.org/advisors/betsy-hutchins)
- [Bill Pauley, CFA, CFP® — Southernmost Advisors](https://www.flatfeeadvisors.org/advisors/bill-pauley)
- [Brad Bobb, CFP® — Bobb Financial](https://www.flatfeeadvisors.org/advisors/brad-bobb)
- [Bradley Hilton, CFP®, TPCP®, MBA, Master of Personal Financial Planning — Sonas Financial Planning](https://www.flatfeeadvisors.org/advisors/bradley-hilton)
- [Brian Rood, CFP®, ADPA® — Artisan Financial Planning](https://www.flatfeeadvisors.org/advisors/brian-rood)
- [Brian Tegtmeyer, CFP® — Truly Prosper Financial Planning](https://www.flatfeeadvisors.org/advisors/brian-tegtmeyer)
- [Bryan Minogue — Kardinal Financial](https://www.flatfeeadvisors.org/advisors/bryan-minogue)
- [Burt Hutchinson — Foundation Wealth Management](https://www.flatfeeadvisors.org/advisors/burt-hutchinson)
- [Carlie Ransom, CFP®, AIF® — Equal Path Investments](https://www.flatfeeadvisors.org/advisors/carlie-ransom)
- [Charley Corbett, MS, CFP® — Local Wealth Advisors](https://www.flatfeeadvisors.org/advisors/charley-corbett)
- [Chris Randall — Axis Capital Management](https://www.flatfeeadvisors.org/advisors/chris-randall)
- [Chris Shoup, CFP® — Southshore Financial Planning](https://www.flatfeeadvisors.org/advisors/chris-shoup)
- [Chris Urban, CFP®, RICP®, TPCP® — Discovery Wealth Planning](https://www.flatfeeadvisors.org/advisors/chris-urban)
- [Christopher Swan — Retire With Swan](https://www.flatfeeadvisors.org/advisors/christopher-swan)
- [Christopher Vassallo — RTD Financial](https://www.flatfeeadvisors.org/advisors/christopher-vassallo)
- [Cliff Brockmann, CFP®, EA — High Touch Financial Planning](https://www.flatfeeadvisors.org/advisors/cliff-brockmann)
- [Curtis Bailey — Quiet Wealth Management](https://www.flatfeeadvisors.org/advisors/curtis-bailey)
- [Dan Honsberger, CFP® — Reel Financial Planning](https://www.flatfeeadvisors.org/advisors/dan-honsberger)
- [Daniel Huffman — Cornerstone Financial Planning, LLC](https://www.flatfeeadvisors.org/advisors/daniel-huffman)
- [David Pankiw — 55Plus Retirement Planning](https://www.flatfeeadvisors.org/advisors/david-pankiw)
- [Derek Delaney, CFP®, ChFC®, EA — PharmD Financial Planning LLC](https://www.flatfeeadvisors.org/advisors/derek-delaney)
- [Don Rudolph — Flat Fee CIO](https://www.flatfeeadvisors.org/advisors/don-rudolph)
- [Drew Feldman, APMA® — WideFrame Wealth](https://www.flatfeeadvisors.org/advisors/drew-feldman)
- [Ed Kerns — FOOTLAMP FINANCIAL](https://www.flatfeeadvisors.org/advisors/ed-kerns)
- [Eric Niergarth, CFP®, RICP — Retirement Roadmap Financial Planning](https://www.flatfeeadvisors.org/advisors/eric-niergarth)
- [Filip Telibasa, CFP® — Benzina Wealth, LLC](https://www.flatfeeadvisors.org/advisors/filip-telibasa)
- [Francisco Ayala, CFP, CFA — The Coleridge Group, LLC](https://www.flatfeeadvisors.org/advisors/francisco-ayala)
- [Grant Webster, CFP®, TPCP® — Arcadia Private Wealth](https://www.flatfeeadvisors.org/advisors/grant-webster)
- [Igor Smolyanskiy, CFA, CFP® — Vilga Financial Planning](https://www.flatfeeadvisors.org/advisors/igor-smolyanskiy)
- [James Mayo, CFA, CFP®, EA — IronFjord Wealth Management | Retirement & Tax Planners](https://www.flatfeeadvisors.org/advisors/james-mayo)
- [James Sweeney, CFA, CFP®, MBA — SwitchPoint Financial Planning](https://www.flatfeeadvisors.org/advisors/james-sweeney)
- [Joe Petry, PhD, CFP®, EA, CRPC® — Mayfair Financial](https://www.flatfeeadvisors.org/advisors/joe-petry)
- [John Davis, CFP®, EA — JKD Financial](https://www.flatfeeadvisors.org/advisors/john-davis)
- [John Gugle, CFP®, TPCP®, CDFA®, CRPC — Gugle Wealth Advisory](https://www.flatfeeadvisors.org/advisors/john-gugle)
- [John Stoj, CEPS — Verbatim Financial](https://www.flatfeeadvisors.org/advisors/john-stoj)
- [Jonathan Vance, CFP®, EA — Vance Financial Planning, LLC](https://www.flatfeeadvisors.org/advisors/jonathan-vance)
- [Jordan Gilberti, CFP® — Sage Wealth Group](https://www.flatfeeadvisors.org/advisors/jordan-gilberti)
- [Jordan Vlastuin — Make the Memory Financial Planning](https://www.flatfeeadvisors.org/advisors/jordan-vlastuin)
- [Josh Radman, CFP®, MBA, EA — Presidio Advisors](https://www.flatfeeadvisors.org/advisors/josh-radman)
- [Justin Pritchard, CFP®, MBA, RMA® — Approach Financial, Inc.](https://www.flatfeeadvisors.org/advisors/justin-pritchard)
- [Kevin C. Feig, CFP®, CFT™, CPA/PFS — Walk You To Wealth](https://www.flatfeeadvisors.org/advisors/kevin-c-feig)
- [Larry Pershing, CFP®, RMA® — Optimum Retirement Planning LLC](https://www.flatfeeadvisors.org/advisors/larry-pershing)
- [Lauren Mishra, PhD, CFP®, EA — Elion Financial, LLC](https://www.flatfeeadvisors.org/advisors/lauren-mishra)
- [Lindsey Young CFP®, EA, TPCP® — Quiet Wealth](https://www.flatfeeadvisors.org/advisors/lindsey-young-cfp)
- [Loren Sherman, CFP® RICP® WMCP® — Integrity Wealth Management](https://www.flatfeeadvisors.org/advisors/loren-sherman)
- [Madeline McIvor, CFP® — Arden Financial](https://www.flatfeeadvisors.org/advisors/madeline-mcivor)
- [Marcel Miu, CFA®, CFP® — Simplify Wealth Planning](https://www.flatfeeadvisors.org/advisors/marcel-miu)
- [Mark Meredith — Meredith Wealth Planning](https://www.flatfeeadvisors.org/advisors/mark-meredith)
- [Mark Rosinski, CFP®, RICP®, CPA — Dunes Financial](https://www.flatfeeadvisors.org/advisors/mark-rosinski)
- [Matthew Argyle, CFA, CFP®, EA — Encore Retirement Planning, LLC](https://www.flatfeeadvisors.org/advisors/matthew-argyle)
- [Matthew Higbie, CFA®, CFP®, TPCP® — Birchwood Capital](https://www.flatfeeadvisors.org/advisors/matthew-higbie)
- [Matthew R. Etzler, CFP®, CRC®, CRPS®, ChFEBC℠, CFEI℠ — Etzler Financial Advisors, LLC](https://www.flatfeeadvisors.org/advisors/matthew-r-etzler)
- [Max Novak, MBA, CFP® — Novak Financial Partners](https://www.flatfeeadvisors.org/advisors/max-novak)
- [Michael Hollis, CFP® — TapestryFP](https://www.flatfeeadvisors.org/advisors/michael-hollis)
- [Michael Reynolds, CFP® — Elevation Financial LLC](https://www.flatfeeadvisors.org/advisors/michael-reynolds)
- [Mike Zung — Java Wealth Planning](https://www.flatfeeadvisors.org/advisors/mike-zung)
- [Nathan Donohue, CFP®, RICP® — Valence Wealth](https://www.flatfeeadvisors.org/advisors/nathan-donohue)
- [Nick Stevens, CFP® — Evergreen Wealth Management](https://www.flatfeeadvisors.org/advisors/nick-stevens)
- [Paul J. Coleman III, CFP®, RICP® — Free Time Financial](https://www.flatfeeadvisors.org/advisors/paul-j-coleman-iii)
- [Paul LaViola — Foundation Wealth Management, LLC](https://www.flatfeeadvisors.org/advisors/paul-laviola)
- [Paul Staib, CFP®, MBA, RICP® — Staib Financial Planning, LLC](https://www.flatfeeadvisors.org/advisors/paul-staib)
- [Phil Orwig, CFP®, CPWA®, ChFC®, CLU®, RICP®, EA — Fair Asset Management](https://www.flatfeeadvisors.org/advisors/phil-orwig)
- [Prudence Zhu, CFP®, CPA, CFT™ — Enso Financial](https://www.flatfeeadvisors.org/advisors/prudence-zhu)
- [Raman Singh, CFP®, EA — SINGH PWM](https://www.flatfeeadvisors.org/advisors/raman-singh)
- [Rob DeLucas, CFP®, ChFC®, RICP®, MBA — Afton Advisors, LLC](https://www.flatfeeadvisors.org/advisors/rob-delucas)
- [Roland McIntyre, CFP®, CCFC, ChFC — Mountaintop Wealth](https://www.flatfeeadvisors.org/advisors/roland-mcintyre)
- [Ryan Langan, CFP® — Your Path Fi](https://www.flatfeeadvisors.org/advisors/ryan-langan)
- [Sara Young, CFP® — Live and Give Financial](https://www.flatfeeadvisors.org/advisors/sara-young)
- [Sara Zuckerman, CFP®, CDFA® — Reset Financial Planning](https://www.flatfeeadvisors.org/advisors/sara-zuckerman)
- [Sean Dwyer, CFA, CFP®, EA — Overture Wealth Management LLC](https://www.flatfeeadvisors.org/advisors/sean-dwyer)
- [Sean Gillespie, MQFP® — Redeployment Wealth Strategies](https://www.flatfeeadvisors.org/advisors/sean-gillespie)
- [Sean Lovison, CFP®, CPA — Purpose Built](https://www.flatfeeadvisors.org/advisors/sean-lovison)
- [Shai Gothreau — Off the Clock Financial Planning](https://www.flatfeeadvisors.org/advisors/shai-gothreau)
- [Shannon Grey, CFP®, CRPC®, MPAS® — InvestEdge Planning](https://www.flatfeeadvisors.org/advisors/shannon-grey)
- [Shawn Ballinger, CFP® — Columbus Street Financial Planning](https://www.flatfeeadvisors.org/advisors/shawn-ballinger)
- [Shawn Perkins — Genuine Wealth Solutions](https://www.flatfeeadvisors.org/advisors/shawn-perkins)
- [Spenser Liszt, CFP®, CCFC — Motif Planning](https://www.flatfeeadvisors.org/advisors/spenser-liszt)
- [Stephen Boatman, CFP®, CSLP — Flat Fee Financial](https://www.flatfeeadvisors.org/advisors/stephen-boatman)
- [Stephen Nelson, CFA®, CFP® — Birchwood Capital](https://www.flatfeeadvisors.org/advisors/stephen-nelson)
- [Stu Sneen, CFP®, CFA — TwoTen Planning](https://www.flatfeeadvisors.org/advisors/stu-sneen)
- [Thomas Duffy — Jersey Shore Financial Advisors LLC](https://www.flatfeeadvisors.org/advisors/thomas-duffy)
- [Todd Pouliot, AIF, IAR — Gateway Financial, LLC](https://www.flatfeeadvisors.org/advisors/todd-pouliot)
- [Zack Bernsdorf — Aspire Capital Management, LLC](https://www.flatfeeadvisors.org/advisors/zack-bernsdorf)
- [Zack Gutches, CFP®, CPA — True Riches Financial Planning](https://www.flatfeeadvisors.org/advisors/zack-gutches)

## Blog posts
- [2026 Retirement and Tax Reference: Brackets, Contribution Limits, Standard Deduction, RMD Divisors, and IRMAA Tiers](https://www.flatfeeadvisors.org/blog/2026-retirement-and-tax-reference-brackets-contribution-limits-standard-deduction-rmd-divisors-and-irmaa-tiers): Raman Singh, CFP®, EA, Sep 14, 2026
- [How to Implement Reverse Budgeting](https://www.flatfeeadvisors.org/blog/how-to-implement-reverse-budgeting): Michael Reynolds, CFP®, Sep 14, 2026
- [When Should I Claim Social Security? Timing, Trade-offs, and Strategy](https://www.flatfeeadvisors.org/blog/when-should-i-claim-social-security-timing-trade-offs-and-strategy): Raman Singh, CFP®, EA, Sep 12, 2026
- [Does a Roth Conversion Count as an RMD? Here's the Order You Actually Have to Follow](https://www.flatfeeadvisors.org/blog/does-a-roth-conversion-count-as-an-rmd-here-s-the-order-you-actually-have-to-follow): Raman Singh, CFP®, EA, Sep 12, 2026
- [OBBBA Year-Two Moves for Business Owners](https://www.flatfeeadvisors.org/blog/obbba-year-two-moves-for-business-owners): Chris Randall, Sep 10, 2026
- [The Tide® Problem in Financial Planning — And Why We Chose a Different Shelf](https://www.flatfeeadvisors.org/blog/the-tide-problem-in-financial-planning-and-why-we-chose-a-different-shelf): Todd Pouliot, Sep 8, 2026
- [How much company stock is too much?](https://www.flatfeeadvisors.org/blog/how-much-company-stock-is-too-much): Spenser Liszt, CFP®, CCFC, Sep 8, 2026
- [Should I File an 83(b) Election on Early-Exercised Options?](https://www.flatfeeadvisors.org/blog/should-i-file-an-83-b-election-on-early-exercised-options): Marcel Miu, CFA®, CFP®, Sep 7, 2026
- [5 Lessons Chronic Pain Has Taught Me About Personal Finance](https://www.flatfeeadvisors.org/blog/5-lessons-chronic-pain-has-taught-me-about-personal-finance): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [The Sweet Income Spot for Health Savings Accounts](https://www.flatfeeadvisors.org/blog/the-sweet-income-spot-for-health-savings-accounts): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [3 Ways Financial Advisors Are Paid – and What You Probably Aren’t Being Told](https://www.flatfeeadvisors.org/blog/3-ways-financial-advisors-are-paid-and-what-you-probably-aren-t-being-told): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [What is a Health Savings Account (HSA)?](https://www.flatfeeadvisors.org/blog/what-is-a-health-savings-account-hsa): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Understanding Fiduciaries in Financial Planning: Why Consumers Should Care](https://www.flatfeeadvisors.org/blog/understanding-fiduciaries-in-financial-planning-why-consumers-should-care): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [True Riches: A Framework for Giving for Christians](https://www.flatfeeadvisors.org/blog/true-riches-a-framework-for-giving-for-christians): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Best Savings Account for Kids – the 529 Plan vs the UTMA](https://www.flatfeeadvisors.org/blog/best-savings-account-for-kids-the-529-plan-vs-the-utma): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [How To Automate Budgeting and Savings Without a Budgeting App](https://www.flatfeeadvisors.org/blog/how-to-automate-budgeting-and-savings-without-a-budgeting-app): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Self Employed Retirement Plan Savings Strategies: SEP IRA vs Solo 401k Under New 2024 IRS Tax Ruling](https://www.flatfeeadvisors.org/blog/self-employed-retirement-plan-savings-strategies-sep-ira-vs-solo-401k-under-new-2024-irs-tax-ruling): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [10 Step Financial Roadmap for Newly Graduated Physicians](https://www.flatfeeadvisors.org/blog/10-step-financial-roadmap-for-newly-graduated-physicians): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Comprehensive Financial Checklist for New Parents and Those With Young Kids](https://www.flatfeeadvisors.org/blog/comprehensive-financial-checklist-for-new-parents-and-those-with-young-kids): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Pros and Cons of Income Annuities for Retirement Income](https://www.flatfeeadvisors.org/blog/pros-and-cons-of-income-annuities-for-retirement-income): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [The Role of International Stocks in a US Investors Portfolio](https://www.flatfeeadvisors.org/blog/the-role-of-international-stocks-in-a-us-investors-portfolio): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [How to Project the Forward-Looking Returns of a Rental Property To Make More Informed Financial Decisions](https://www.flatfeeadvisors.org/blog/how-to-project-the-forward-looking-returns-of-a-rental-property-to-make-more-informed-financial-decisions): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Should I Work with a Personal Financial Planner Before Retirement?](https://www.flatfeeadvisors.org/blog/should-i-work-with-a-personal-financial-planner-before-retirement): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Understanding Taxation of Withdrawals from Roth IRAs](https://www.flatfeeadvisors.org/blog/understanding-taxation-of-withdrawals-from-roth-iras): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [How to Maximize the Impact of My Giving With a Donor Advised Fund](https://www.flatfeeadvisors.org/blog/how-to-maximize-the-impact-of-my-giving-with-a-donor-advised-fund): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Planning Implications From the One Big Beautiful Bill Act Passage](https://www.flatfeeadvisors.org/blog/planning-implications-from-the-one-big-beautiful-bill-act-passage): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Do the Benefits of Whole Life Insurance Outweigh the Costs?](https://www.flatfeeadvisors.org/blog/do-the-benefits-of-whole-life-insurance-outweigh-the-costs): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Building an Investment Portfolio That Will Allow You to Make the Most of Your Wealth](https://www.flatfeeadvisors.org/blog/building-an-investment-portfolio-that-will-allow-you-to-make-the-most-of-your-wealth): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [“Where Did All My Money Go?” — Surrounding Financial Goals with Simple Systems That Actually Work](https://www.flatfeeadvisors.org/blog/where-did-all-my-money-go-surrounding-financial-goals-with-simple-systems-that-actually-work): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [How to Create Your Paycheck in Retirement Using a Total-Return Strategy](https://www.flatfeeadvisors.org/blog/how-to-create-your-paycheck-in-retirement-using-a-total-return-strategy): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Replacing the IRS with Kingdom Impact Through Your Estate Plan: An Intentional Approach to Wealth Transfer](https://www.flatfeeadvisors.org/blog/replacing-the-irs-with-kingdom-impact-through-your-estate-plan-an-intentional-approach-to-wealth-transfer): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Trump Accounts — Are They Actually Worth It Compared to the Alternatives?](https://www.flatfeeadvisors.org/blog/trump-accounts-are-they-actually-worth-it-compared-to-the-alternatives): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [The Surprising Truth About Money that Nobody Talks About](https://www.flatfeeadvisors.org/blog/the-surprising-truth-about-money-that-nobody-talks-about): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Jesus Is ALL FOR Storing Up Treasures](https://www.flatfeeadvisors.org/blog/jesus-is-all-for-storing-up-treasures): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [Establishing Personal Wealth and Spending "Finish Lines" — A Practical Framework to Unlock Generosity and Live with Greater Faithfulness, Impact, and Joy](https://www.flatfeeadvisors.org/blog/establishing-personal-wealth-and-spending-finish-lines-a-practical-framework-to-unlock-generosity-and-live-with-greater-): Zack Gutches, CFP®, CPA, Aug 31, 2026
- [How Do You Know When You're Ready to Buy a House?](https://www.flatfeeadvisors.org/blog/how-do-you-know-when-you-re-ready-to-buy-a-house): Michael Reynolds, CFP®, Aug 31, 2026
- [How Much Is Enough?](https://www.flatfeeadvisors.org/blog/how-much-is-enough): John Stoj, CEPS, Aug 24, 2026
- [What to Do If You Don’t Have a 401(k)](https://www.flatfeeadvisors.org/blog/what-to-do-if-you-don-t-have-a-401-k): Michael Reynolds, CFP®, Aug 24, 2026
- [How to Combine Finances as a Couple: 4 Smart Money Systems That Actually Work](https://www.flatfeeadvisors.org/blog/how-to-combine-finances-as-a-couple-4-smart-money-systems-that-actually-work): Shai Gothreau, Aug 23, 2026
- [Should You Buy Life Insurance Before You Need It?](https://www.flatfeeadvisors.org/blog/should-you-buy-life-insurance-before-you-need-it): Michael Reynolds, CFP®, Aug 17, 2026
- [The Financial Advice Business Is Changing. Its Fee Model Should Catch Up.](https://www.flatfeeadvisors.org/blog/the-financial-advice-business-is-changing-its-fee-model-should-catch-up): James Sweeney, CFA, CFP®, MBA, Aug 12, 2026
- [Can I Retire at 50 with $2 Million?](https://www.flatfeeadvisors.org/blog/can-i-retire-at-50-with-2-million): Raman Singh, CFP®, EA, Aug 11, 2026
- [Arizona Retirement Tax Planning: Roth, RMDs, IRMAA](https://www.flatfeeadvisors.org/blog/arizona-retirement-tax-planning-roth-rmds-irmaa): Raman Singh, CFP®, EA, Aug 9, 2026
- [Charley Corbett Featured by WSJ: Retirees Love Dividends, but the Stock Market Surge Is Making Them Think Again](https://www.flatfeeadvisors.org/blog/charley-corbett-featured-by-wsj-retirees-love-dividends-but-the-stock-market-surge-is-making-them-think-again): Charley Corbett, MS, CFP®, Aug 6, 2026
- [Flat-Fee, Fee-Only Financial Advice: What True Transparency Looks Like](https://www.flatfeeadvisors.org/blog/flat-fee-fee-only-financial-advice-what-true-transparency-looks-like): Charley Corbett, MS, CFP®, Aug 6, 2026
- [Understanding the Florida Retirement System (FRS): A Clear Guide for Public Employees](https://www.flatfeeadvisors.org/blog/understanding-the-florida-retirement-system-frs-a-clear-guide-for-public-employees): Charley Corbett, MS, CFP®, Aug 6, 2026
- [The Power of a Decision-Making Framework: Making Financial Choices the Right Way](https://www.flatfeeadvisors.org/blog/the-power-of-a-decision-making-framework-making-financial-choices-the-right-way): Charley Corbett, MS, CFP®, Aug 6, 2026
- [Flat-Fee Financial Advisor Benefits: Understand Fee Structure](https://www.flatfeeadvisors.org/blog/flat-fee-financial-advisor-benefits-understand-fee-structure): Charley Corbett, MS, CFP®, Aug 6, 2026
- [7 Smart Moves People With $2M+ in Their IRA Are Making in 2026](https://www.flatfeeadvisors.org/blog/7-smart-moves-people-with-2m-in-their-ira-are-making-in-2026): Raman Singh, CFP®, EA, Aug 6, 2026
- [How Is Retirement Income Taxed If You're Still Working?](https://www.flatfeeadvisors.org/blog/how-is-retirement-income-taxed-if-you-re-still-working): Raman Singh, CFP®, EA, Aug 6, 2026
- [Referrals Feel Safe But They Can Also Blind You](https://www.flatfeeadvisors.org/blog/referrals-feel-safe-but-they-can-also-blind-you): Cliff Brockmann, CFP®, EA, Aug 3, 2026
- [Is It OK to Get a Big Tax Refund?](https://www.flatfeeadvisors.org/blog/is-it-ok-to-get-a-big-tax-refund): Michael Reynolds, CFP®, Aug 3, 2026
- [How Do I Know If I Have Enough to Retire? The Funded Ratio Explained](https://www.flatfeeadvisors.org/blog/how-do-i-know-if-i-have-enough-to-retire-the-funded-ratio-explained): Marcel Miu, CFA®, CFP®, Aug 3, 2026
- [How to Build a Business You Can Sell](https://www.flatfeeadvisors.org/blog/how-to-build-a-business-you-can-sell): Michael Reynolds, CFP®, Jul 27, 2026
- [The Wall Street Journal Is Talking About Flat-Fee Advice. Let’s Clarify What That Means.](https://www.flatfeeadvisors.org/blog/the-wall-street-journal-is-talking-about-flat-fee-advice-let-s-clarify-what-that-means): John Stoj, CEPS, Jul 27, 2026
- [Should You Build a Bond Ladder for Retirement Income?](https://www.flatfeeadvisors.org/blog/should-you-build-a-bond-ladder-for-retirement-income): Marcel Miu, CFA®, CFP®, Jul 26, 2026
- [Five Ways to Simplify Your Money (and How It Helps)](https://www.flatfeeadvisors.org/blog/five-ways-to-simplify-your-money-and-how-it-helps): Michael Reynolds, CFP®, Jul 20, 2026
- [How to Hire a Financial Advisor](https://www.flatfeeadvisors.org/blog/how-to-hire-a-financial-advisor): John Stoj, CEPS, Jul 17, 2026
- [Why Stewardship? Rethinking the Purpose of Money](https://www.flatfeeadvisors.org/blog/why-stewardship-rethinking-the-purpose-of-money): Daniel Huffman, Jul 14, 2026
- [Roth 401(k) vs. Traditional 401(k) Contributions: What Is the Right Answer](https://www.flatfeeadvisors.org/blog/roth-401-k-vs-traditional-401-k-contributions-what-is-the-right-answer): Cliff Brockmann, CFP®, EA, Jul 13, 2026
- [Can I Afford a House Even If I Can't Put 20% Down?](https://www.flatfeeadvisors.org/blog/can-i-afford-a-house-even-if-i-can-t-put-20-down): Michael Reynolds, CFP®, Jul 13, 2026
- [What Is an HSA and Why It’s One of the Most Powerful Accounts You Can Use](https://www.flatfeeadvisors.org/blog/what-is-an-hsa-and-why-it-s-one-of-the-most-powerful-accounts-you-can-use): Cliff Brockmann, CFP®, EA, Jul 8, 2026
- [What's More Risky: Concentration or Leverage?](https://www.flatfeeadvisors.org/blog/what-s-more-risky-concentration-or-leverage): Bryan Minogue, Jul 8, 2026
- [What is Alternative Investing?](https://www.flatfeeadvisors.org/blog/what-is-alternative-investing): Bryan Minogue, Jul 8, 2026
- [What's the Right Amount of Cash?](https://www.flatfeeadvisors.org/blog/what-s-the-right-amount-of-cash): Bryan Minogue, Jul 8, 2026
- [Why Not 100% Equities - From Paper to Practice](https://www.flatfeeadvisors.org/blog/why-not-100-equities-from-paper-to-practice): Bryan Minogue, Jul 8, 2026
- [Planning Your Retirement with Guardrails](https://www.flatfeeadvisors.org/blog/planning-your-retirement-with-guardrails): Bryan Minogue, Jul 8, 2026
- [Is the 4% Rule Safe for a 40-Year Retirement?](https://www.flatfeeadvisors.org/blog/is-the-4-rule-safe-for-a-40-year-retirement): Marcel Miu, CFA®, CFP®, Jul 7, 2026
- [Why We Avoid Looking at Our Finances (And What It Costs)](https://www.flatfeeadvisors.org/blog/why-we-avoid-looking-at-our-finances-and-what-it-costs): Michael Reynolds, CFP®, Jul 6, 2026
- [How to Protect Your Money From Crypto "Pig Butchering" Scams](https://www.flatfeeadvisors.org/blog/how-to-protect-your-money-from-crypto-pig-butchering-scams): Michael Reynolds, CFP®, Jul 6, 2026
- [Probability-Based vs. Safety-First: Two Ways to Fund Your Retirement Income](https://www.flatfeeadvisors.org/blog/probability-based-vs-safety-first-two-ways-to-fund-your-retirement-income): Marcel Miu, CFA®, CFP®, Jun 29, 2026
- [The Big Decision to Rent or Buy a Home — And the Math Behind It](https://www.flatfeeadvisors.org/blog/the-big-decision-to-rent-or-buy-a-home-and-the-math-behind-it): Cliff Brockmann, CFP®, EA, Jun 29, 2026
- [The IRS Is Eating Your Returns](https://www.flatfeeadvisors.org/blog/the-irs-is-eating-your-returns): Chris Randall, Jun 22, 2026
- [The Fee You Pay Isn’t Always the Incentive Driving Your Advisor](https://www.flatfeeadvisors.org/blog/the-fee-you-pay-isn-t-always-the-incentive-driving-your-advisor): Cliff Brockmann, CFP®, EA, Jun 22, 2026
- [When Whole Life Insurance Is Sold as an ‘Investment’ And Why That’s a Red Flag](https://www.flatfeeadvisors.org/blog/when-whole-life-insurance-is-sold-as-an-investment-and-why-that-s-a-red-flag): Cliff Brockmann, CFP®, EA, Jun 22, 2026
- [Trump Accounts: The Complete Guide for Parents and Grandparents (2026)](https://www.flatfeeadvisors.org/blog/trump-accounts-the-complete-guide-for-parents-and-grandparents-2026): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [The Retirement Risk No One Plans For](https://www.flatfeeadvisors.org/blog/the-retirement-risk-no-one-plans-for): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [The International Travel Gap in Your Retirement Plan](https://www.flatfeeadvisors.org/blog/the-international-travel-gap-in-your-retirement-plan): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [Everything You Need to Know About Gifting Money (and Why 99% of People Will Never Owe Gift Tax)](https://www.flatfeeadvisors.org/blog/everything-you-need-to-know-about-gifting-money-and-why-99-of-people-will-never-owe-gift-tax): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [The Benefits of Professional Investment Management](https://www.flatfeeadvisors.org/blog/the-benefits-of-professional-investment-management): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [The Dark Side of 7 Saturdays a Week](https://www.flatfeeadvisors.org/blog/the-dark-side-of-7-saturdays-a-week): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [Annuities: The Good, The Bad, and The Ugly](https://www.flatfeeadvisors.org/blog/annuities-the-good-the-bad-and-the-ugly): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [Forget the 4% Rule: How Guardrails Can Help You Spend More in Retirement](https://www.flatfeeadvisors.org/blog/forget-the-4-rule-how-guardrails-can-help-you-spend-more-in-retirement): Allen Mueller, CFA, CFP®, MBA, Jun 20, 2026
- [Asset Location Strategy: How the Right Accounts Can Build More Wealth](https://www.flatfeeadvisors.org/blog/asset-location-strategy-how-the-right-accounts-can-build-more-wealth): Marcel Miu, CFA®, CFP®, Jun 20, 2026
- [The Potential Conflicts of Interest in Financial Advice — And How to Protect Yourself](https://www.flatfeeadvisors.org/blog/the-potential-conflicts-of-interest-in-financial-advice-and-how-to-protect-yourself): Grant Webster, CFP®, TPCP®, Jun 20, 2026
- [What Does Per Stirpes Mean in a Beneficiary Designation?](https://www.flatfeeadvisors.org/blog/what-does-per-stirpes-mean-in-a-beneficiary-designation): Grant Webster, CFP®, TPCP®, Jun 19, 2026
- [Should Grandparents Open a 529 for Their Grandchildren?](https://www.flatfeeadvisors.org/blog/should-grandparents-open-a-529-for-their-grandchildren): Grant Webster, CFP®, TPCP®, Jun 19, 2026
- [Why Every Family Needs a Letter of Instruction — And How The Family Binder™ Makes It Easy](https://www.flatfeeadvisors.org/blog/why-every-family-needs-a-letter-of-instruction-and-how-the-family-binder-makes-it-easy): Grant Webster, CFP®, TPCP®, Jun 19, 2026
- [What Happens to Your IRA When Your Spouse Inherits It? What Every Family Should Know](https://www.flatfeeadvisors.org/blog/what-happens-to-your-ira-when-your-spouse-inherits-it-what-every-family-should-know): Grant Webster, CFP®, TPCP®, Jun 19, 2026
- [Qualified Charitable Distributions (QCDs): The Smartest Way to Give From Your IRA in Retirement](https://www.flatfeeadvisors.org/blog/qualified-charitable-distributions-qcds-the-smartest-way-to-give-from-your-ira-in-retirement): Grant Webster, CFP®, TPCP®, Jun 18, 2026
- [What California Beneficiaries Need to Know: Taxes and Retitling When Inheriting a Home, Trust Accounts, and Retirement Accounts](https://www.flatfeeadvisors.org/blog/what-california-beneficiaries-need-to-know-taxes-and-retitling-when-inheriting-a-home-trust-accounts-and-retirement-acco): Grant Webster, CFP®, TPCP®, Jun 18, 2026
- [Retiring in San Diego? Here's How to Keep More of Your Money (and Less of it Going to Taxes)](https://www.flatfeeadvisors.org/blog/retiring-in-san-diego-here-s-how-to-keep-more-of-your-money-and-less-of-it-going-to-taxes): Grant Webster, CFP®, TPCP®, Jun 18, 2026
- [Bear Market Playbook: Decoding Recession Risk, Valuation Impact, and Style Leadership](https://www.flatfeeadvisors.org/blog/bear-market-playbook-decoding-recession-risk-valuation-impact-and-style-leadership): Bill Pauley, CFA, CFP®, Jun 15, 2026
- [Market Concentration and Lost Decades](https://www.flatfeeadvisors.org/blog/market-concentration-and-lost-decades): Bill Pauley, CFA, CFP®, Jun 15, 2026
- [When the Fed Cuts: Lessons from Past Cycles for Investors](https://www.flatfeeadvisors.org/blog/when-the-fed-cuts-lessons-from-past-cycles-for-investors): Bill Pauley, CFA, CFP®, Jun 15, 2026
- [Three Risks of Relying on the S&P 500 in Retirement Planning](https://www.flatfeeadvisors.org/blog/three-risks-of-relying-on-the-s-p-500-in-retirement-planning): Bill Pauley, CFA, CFP®, Jun 15, 2026
- [Retirement Planning for High Net Worth Individuals](https://www.flatfeeadvisors.org/blog/retirement-planning-for-high-net-worth-individuals): Carlie Ransom CFP®, AIF®, Oct 6, 2025
- [What Should You Do With a Concentrated Stock Position?](https://www.flatfeeadvisors.org/blog/what-should-you-do-with-a-concentrated-stock-position): Marcel Miu, CFA®, CFP®, May 27, 2025
- [How Are ISOs and NSOs Taxed? Understanding Stock Options and the AMT Trap](https://www.flatfeeadvisors.org/blog/how-are-isos-and-nsos-taxed-understanding-stock-options-and-the-amt-trap): Marcel Miu, CFA, CFP, May 20, 2025
- [Should I Buy a Duplex?](https://www.flatfeeadvisors.org/blog/should-i-buy-a-duplex): Michael Reynolds, CFP®, May 16, 2025