NAPFA
The National Association of Personal Financial Advisors is not a firm but a members' association, running since 1983, and its public search is the shortest route to a fee only fiduciary who takes no commissions. Membership requires the CFP mark, verified planning experience, 60 hours of continuing education every two years and a fiduciary oath signed annually. The directory works by ZIP code and filters by specialty, including retirement income and widowhood.
Useful for retirees who want a single paid session or an hourly review instead of handing over a permanent slice of savings, since many members bill hourly or per project. The catch: vetting stops at credentials. There are no reviews, no ratings and no service standard, so the interview is on the client. Coverage thins out well away from big cities.
Pros
- Fee only members, no commissions
- CFP credential required for membership
- Free public search by ZIP code
- Hourly and project pricing available
- Fiduciary oath signed every year
Cons
- Quality varies from member to member
- No reviews or ratings in the directory
- Few members outside large metros
- No recourse if a relationship sours
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