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Advice-Only Financial Advisor
There is no long-term commitment, no annual percent-of-your-assets fee, and no sales pitches.
You have a dream for the future.
I can guide you through the steps that will make the vision a reality.
Finding the right financial planner is personal. Not only should an advisor look at the numbers, but your goals, fears, and values should be used to create a plan that fits you.
During our introductory call, you and I will briefly discuss what you’re looking for and if this is the right fit for you. You will learn how I work with clients and expectations for what happens next.
Achieving financial confidence starts with 3 easy steps:
- Set up an introductory call by clicking on the button below.
- After the call, I will email you some oh-so-fun regulatory documents (such as privacy policy, etc.) and my Client FactFinder.
- Click on the Service Agreement Link to e-sign and get started.
Flexible Financial Planning for Life's Changes
Your lifestyle and goals for the future are as unique as you are. Together, we’ll create a plan based on your preferences and take into account where you are in your life. Financial planning is provided in packages based on your needs. Package pricing is determined by your net worth and annual income.
© 2026 Sullivan Financial Planning, LLC. All rights reserved.
General Financial Plan
Ages 25–55, juggling multiple goals
A comprehensive plan covering debt, retirement, real estate, insurance, estate wishes, tax strategies, college planning, and wealth building — all in one package.
Retirement Readiness Evaluation
Ages 55–70, retiring within 5 years
Using projection software and 27+ years of experience, we’ll model Social Security timing, pension options, Roth conversions, Long Term Care, and more.
Investment Analysis
Current clients seeking portfolio clarity
Kristi analyzes your holdings and provides specific buy/sell recommendations to streamline your investments into a cohesive, low-cost portfolio.
Retirement Income & Withdrawal Planning
Clients transitioning into retirement
A specific withdrawal plan including account order, tax-efficient drawdown strategy, and investment allocation tailored to your retirement income needs.
People often ask...
Most frequent questions and answers
Financial advisors offer many levels of financial support to potential clients, and many times the degree of support is related to the manner in which they are paid. Advice-only advisors form 0.1% of financial advisors, and unlike other financial advisors, they do not receive commissions or manage your assets for you.
Source: https://smartasset.com/financial-advisor/advice-only-financial-advisor-services-and-fees
I work best with clients who naturally spend within their income.
Examples: first home purchase, feasibility of a second home, rental property purchase/sale, downsizing.
Yes, real estate questions can be answered as part of an overall planning package or, for current clients, on an ad-hoc hourly basis.
No, I do not recommend cryptocurrency as an asset class.
That depends on your situation, but I will always be efficient with your time while being thorough in answering your questions. You will be given the option to continue with more appointments or end our conversation at a reasonable stopping point.
Fee-only financial planners get paid by you directly; fee-based planners may also earn commissions on products they sell.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
No. If you are looking for someone to help you with a spending and budgeting plan, and generally improve your relationship with money, may I suggest these resources:
Addie McHale, CFP®, Moneyfull
addie@moneyfull.com | 720-515-7805 | moneyfull.com
Denver Financial Empowerment Centers
*Referrals: there is no revenue sharing agreement and it is only provided by a courtesy – no endorsement of such.
Yes! A fiduciary financial adviser is one that puts clients’ interests first when giving providing advisory services. My business is only selling financial advice by the hour, so there is no hidden agenda to get a commission from selling insurance products, investments that generate commissions, or fees for long-term asset management.
I am a buy-and-hold investor with annual rebalancing. If I am helping you to create a portfolio, I will not be reacting to big stock market swings with a communication to suddenly buy or sell assets. I am not a day-trader, stock-picker, or cryptocurrency expert. Days go by when I don’t even know what happened in the stock market because I am helping clients with their long-term planning, not short-term trading.
I believe in holding diversified asset classes (US big stocks, US medium, and small stocks, international investments, and bonds). I believe in using low-cost mutual funds and ETFs for easy diversification. I believe that simple is usually best. I like easy investment solutions like Target Date Funds and Asset Allocation Funds.
Ready to Get Started?
Schedule a free 20-minute phone consultation with Kristi Sullivan, CFP®. You’ll discuss your goals and see if advice-only financial planning is the right fit — no pressure, no sales pitch.