Top advisors focused on debt management in the US
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you're struggling with high-interest loans or credit card balances, a debt management advisor can help you create a plan to reduce what you owe and avoid future pitfalls. Without focused guidance, it's easy to fall into repayment plans that don't address the root causes of your debt or that miss opportunities to lower your overall costs.
- Customized repayment plans. Look for advisors who tailor strategies to your income and expenses, rather than offering one-size-fits-all solutions.
- Negotiation skills. Confirm how they approach working with creditors to potentially lower interest rates or waive fees.
- Long-term budgeting. Ask how they help you build habits and budgets that prevent debt from recurring after repayment.
- Credit impact awareness. Ensure they explain how different debt strategies affect your credit score and future borrowing options.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
-
Timothy C
Series 63, Series 65
Westlake, OH
Coyne Capital Management, LLC
Timothy Coyne specializes in debt management and offers customized repayment plans tailored to high-net-worth clients, typically those with at least $500,000 in investable assets. Based in Westlake, Ohio, he combines 16 years of experience with a fee structure including a 1.00% AUM fee and $200 hourly rate, differentiating himself through discretionary investment management and a focus on asset-class diversification.
Experience: 16 years
Avg account: $2,741,321
-
Jorden B
Series 65
Claremont, CA
LifeSteps Financial
Jorden Bastien specializes in debt management and cash flow budgeting, making him well-equipped to help clients in the US reduce high-interest debt and create sustainable repayment plans. As an independent advisor at LifeSteps Financial with 13 years of experience, he offers a comprehensive approach including ETF-centric investments and hands-on bill payment services, which may provide more integrated financial planning compared to other advisors focused solely on debt.
Experience: 13 years
Avg account: $638,509
-
Don L
CFP®, Series 63, Series 65, Series 66
Mesa, AZ
Larson Wealth Management, LLC
Don Larson specializes in debt management with a strong focus on cash flow and budgeting, offering tailored repayment plans that consider clients' unique financial situations. His firm serves a diverse clientele including high-net-worth individuals and institutional clients, employing a mix of fundamental and technical analysis, and charges a flat fee ranging from $2,500 to $25,000 annually, which may appeal to those seeking transparent pricing and comprehensive asset management.
Experience: 20 years
Avg account: $196,625
-
Marilynne S
Series 63, Series 66
Canton, GA
Empower Advisory Group
Marilynne Shadow specializes in debt management and retirement income strategy, offering tailored repayment plans and budgeting advice to help reduce debt and prevent recurrence. Working at Empower Advisory Group, a large firm with a flat-fee structure, she brings eight years of experience and holds Series 63 and 66 designations, distinguishing her with a strong background in integrated financial planning and employer-sponsored retirement plans.
Experience: 8 years
Avg account: $565,063
-
Kari W
CFP®, Series 65
Boston, MA
RWA Wealth Partners
Kari Wolfson specializes in debt management and cash flow budgeting, making her well-equipped to help clients in the US reduce high-interest debt and create sustainable repayment plans. With 13 years of experience, CFP® certification, and a flat-fee structure, she serves high-net-worth clients through RWA Wealth Partners, which offers strategic asset allocation and comprehensive financial planning, distinguishing her from advisors focused solely on debt without broader investment and tax advisory services.
Experience: 13 years
Avg account: $3,099,262
Want help finding the right advisor?
Answer a few questions to see advisors matched to you.
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")