A complete list of active advisors currently associated with Fee-Only Financial Services LLC

Warmer can help you find a great advisor at Fee-Only Financial Services LLC or one who fits your needs even better.

Fee-Only Financial Services, LLC is a state-registered, single-advisor firm that provides fee-only personal financial planning and investment advice to middle-income individuals and families on an as-needed, single-engagement basis. Services described in the brochure include retirement and college planning, cash-flow and budgeting, asset-allocation “blueprints,” and analyses related to home purchases, refinancing, and investment properties. The firm operates as an advice-only practice: it does not take custody of client assets, does not provide portfolio management or discretionary trading, and leaves implementation and execution to the client and the custodian they choose. Its stated investment philosophy is grounded in modern portfolio theory, emphasizing diversification, periodic rebalancing, low-cost funds, and tax efficiency, with typical recommendations focused on ETFs, no-load mutual funds, cash instruments, and individual securities while avoiding complex products like options, futures, hedge funds, and private offerings. Compared with most independent advisers, the firm is notable for not charging fees based on a percentage of assets under management and for offering only single-engagement, hourly consulting rather than ongoing portfolio monitoring or management. The owner also holds an inactive Missouri real estate broker license and includes real-estate-related analyses in planning services; the brochure states the license is used only for personal transactions and that any real-estate conflicts would be disclosed in writing.

To learn more about the advisors currently working at Fee-Only Financial Services LLC, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Sarah Wells	Columbia, MO	25

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