Every advisor on this list charges a flat, hourly, or retainer fee and earns no commissions, so the advice is never steered by what pays the advisor. For early retirement that matters more than usual: a plan spanning 40+ years of drawdown leaves a lot of room for conflicted advice to compound against you.
Most FIRE plans need no advisor at all. We backtested 154 years of market data to find out when an advisor is worth it, and the Fire Planner handles the math. Where an advisor earns their fee is the parts that are not math: staying invested through a 40% crash, tax strategy across accounts, and the one-time review before you hand in your notice. Everyone listed here understands early retirement. A 45-year horizon, withdrawals before 59.5, or a plan built on the 4% rule will not be news to them.
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Fee-Only Financial Advisors
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Frequently Asked Questions
What does fee-only mean?
A fee-only advisor is paid directly by you, through a flat project fee, an hourly rate, or a retainer. They earn no commissions from selling insurance, funds, or other products. This removes the main conflict of interest in financial advice: recommendations that pay the advisor instead of you. Fee-only advisors are typically fiduciaries, legally required to act in your interest.
Do I need a financial advisor to reach FIRE?
Usually no. The math of FIRE is well documented, and tools like the Fire Planner model it in detail. We backtested 154 years of market data on this question: self-managed index portfolios come out ahead in most scenarios once you account for a typical 1% assets-under-management fee. An advisor earns their fee in specific situations: complex taxes, equity compensation, an inheritance, or a one-time review of your plan before you quit your job.
How are the advisors on this list selected?
By hand. Each listing charges fee-only or flat-fee, works with FIRE and early-retirement clients, and was reviewed before being added. No one pays to be listed. Cards link straight to the advisor's own site.
What is different about a FIRE-focused advisor?
Retiring at 45 breaks the assumptions most retirement advice is built on. The advisors here work with drawdowns that start decades before traditional retirement age, withdrawal access before 59.5 through Roth conversion ladders or 72(t) payments, sequence-of-returns risk over 40+ year horizons, and clients whose plans rest on the 4% rule.
How much does a fee-only advisor cost?
Typical ranges: $150 to $400 per hour, $1,000 to $5,000 for a one-time plan, or $2,000 to $10,000 per year on retainer. That sounds like a lot next to a 1% of assets fee, and it is usually the cheaper option: 1% of a $1,500,000 FIRE portfolio is $15,000 every single year.