Advice-Only Financial Planning for DIY Investors

Working with an advice-only financial planner helps bring peace of mind to your financial decisions. Croft Financial Planning offers comprehensive, fee-only planning and education—without managing your money. No product sales, no hidden fees, and

no investment control—just straightforward advice to help you reach financial independence.

Truly Conflict-Free:
I don’t sell products, earn commissions, or manage money. I work for you—and only you—by the hour. That’s it.
Empowerment Through Education:
I help individuals and families take control of their own financial lives and manage their own investments—with confidence.
Flexible & Affordable:
You get the help you need, only when you need it. No ongoing fees, no contracts, no asset minimums.
Ideal for Employers:
My services can be a powerful employee benefit—providing access to a trustworthy, conflict-free financial planner without the usual sales pressure.

We Are Unique

Fiduciary First

Being a fiduciary is at the core of everything we do, We do not sell products, receive commissions, or charge asset management (aka "forever fees"). Our compensation comes solely from the clients we serve. Our goal is to educate and empower you.

Hourly Fee Structure

We charge by the hour and provide a firm quote before any work begins. The hourly model means you get access to the same high level of service and expert financial advice whether you have a net worth of $1,000 or $100 million. You only pay only the time you need.

Advice-Only

We provide comprehensive financial planning to the families we serve. Unlike other financial advisers, we do not manage your accounts on an ongoing basis. Instead, we provide you with the tools and education needed to confidently manage all your accounts. We advise on investments to buy or sell, assist you in implementing the advice, and educate you on how to manage your portfolio for the years ahead. With the advice-only model, you retain 100% control over your financial accounts.

We Love Our Work

We love advocating for your success. We specialize in working with people who prefer to stay actively involved in their financial journey. Our collaborative approach ensures you remain in control while benefiting from our fiduciary expertise.

How We Help Clients

Two African American men smiling and playing chess.

Financial Planning

We plan for your financial freedom by optimizing your: investments, retirement, taxes, insurance and estate planning, gifting, and more...

Investment Planning

At Croft Financial Planning, we understand that your financial journey is personal. We specialize in working with individuals who value maintaining control of their portfolios while collaborating with a trusted advisor. Our approach is grounded in academic research, emphasizing low-cost, long-term strategies designed to deliver sustainable success. By blending your insights with our fiduciary guidance, we create tailored strategies that reflect your goals and aspirations. Together, we build a clear path to financial confidence and success.

Nature Walk to signify peace and serenity.

The No BS Financial Blog.

Click here to search our thought leadership

Schedule a Free Introductory Call

Level 1

Up to $3,500.

Level 2

10-20 hours

$3,500 to $7,000.

Level 3

20-30 hours

$7,000 to $10,500

Level 4

30-40 hours +

$10,500 or more

New Client Initial Plan Pricing

What happens after the initial plan?

Existing clients are charged by the hour at $350/hour.
Future annual reviews are typically a fraction of the cost of the initial plan and can be accomplished in a few hours.

Schedule a Free Introductory Meeting