# AdviceOnly

> AdviceOnly connects people with flat-fee, advice-only financial planners who work only for their clients — no commissions, no asset management, no product sales. Advice Only, PBC (colloquially "AdviceOnly") is an SEC-registered investment adviser and a Delaware Public Benefit Corporation (CRD# 334039, SEC File No. 801-135290).

AdviceOnly is a directory and platform, not an asset manager. Each advisor listed on the site is an Investment Adviser Representative (IAR) of Advice Only, PBC, operating under their own practice brand; no one at the firm manages client investments or sells products. "Advice-only" means compensation comes entirely from client fees paid directly to the advisor — hourly, project, or ongoing flat fees — with no commissions, asset-under-management fees, or product sales.

## About AdviceOnly

- [Home](https://adviceonly.com/): Overview of the advice-only model and entry points to the advisor directory.
- [About AdviceOnly](https://adviceonly.com/about): Mission, origin, and the team behind the directory.
- [What is Advice Only?](https://adviceonly.com/what-is-advice-only): Plain-language explanation of the advice-only compensation model and how it differs from commission-based or AUM-based financial advice.
- [Public Benefit Corporation](https://adviceonly.com/public-benefit-corporation): Why AdviceOnly is structured as a PBC and what that means for stakeholder commitments.
- [Team](https://adviceonly.com/team): People who run AdviceOnly (distinct from the advisors listed in the directory).
- [Media](https://adviceonly.com/media): Press coverage of AdviceOnly and its advisors.

## Find an advisor

- [Find a Financial Advisor](https://adviceonly.com/find-financial-advisor): Directory of all listed advisors with filters for specialization, client type, fee model, state, and meeting preference.
- [How to find a financial advisor](https://adviceonly.com/finding-a-financial-advisor-guide): Long-form guide on evaluating advisors — credentials, compensation models, fiduciary duty, and questions to ask.

## Advisors

Each advisor is an Investment Adviser Representative of Advice Only, PBC and sets their own services, pricing, and client focus.

- [Audrey Emerson](https://adviceonly.com/advisors/audrey-emerson)
- [Luca Rassenti](https://adviceonly.com/advisors/luca-rassenti)
- [Mike Anderson](https://adviceonly.com/advisors/mike-anderson)
- [Mike Hart](https://adviceonly.com/advisors/mike-hart)

## Personal finance guides

Evergreen plain-English topic guides written and reviewed by credentialed advice-only financial planners. More topics are being published one at a time from the hub.

- [Guide to Personal Finance](https://adviceonly.com/personal-finance): The hub — how the topics fit together, where to start, and tiles to every topic's guide or glossary section.
- [Retirement Planning](https://adviceonly.com/personal-finance/retirement-planning): How retirement planning works end to end — how much you need, where to save, pre-tax vs. Roth, Social Security timing, health care costs, and turning savings into income.
- [Investing](https://adviceonly.com/personal-finance/investing): How investing works end to end — what you can own, choosing a stock and bond mix, what fees and taxes cost you, which account to use, and why behavior decides most outcomes.
- [Insurance & Risk](https://adviceonly.com/personal-finance/insurance): Which risks are worth insuring and which to self-insure, then every major coverage in turn — health, disability, life, long-term care, auto, home, liability and umbrella, business coverage including general liability and errors and omissions, and the smaller policies worth skipping.
- [Taxes](https://adviceonly.com/personal-finance/taxes): How U.S. taxes work end to end — brackets and marginal vs. effective rates, deductions vs. credits, what gets taxed and at what rate, how you actually pay, state and sales and property taxes, and what tax planning can and cannot change.
- [Estate Planning & Giving](https://adviceonly.com/personal-finance/estate-planning): What an estate plan contains and what actually decides who inherits — beneficiary forms, titling, trusts and the will — plus incapacity documents, tax at death and the basis step-up, lifetime gifting, and efficient charitable giving.
- [Credit & Debt](https://adviceonly.com/personal-finance/credit-debt): What debt actually costs and how lenders price you — interest, APR and amortization, credit reports and scores, credit cards and grace periods, mortgages, car loans, student loans, home equity and high-cost lending, the order to pay debt off, and your options and rights when you cannot pay.
- [Employee Benefits & Compensation](https://adviceonly.com/personal-finance/employee-benefits): What a benefits package contains and which decisions you control — where pay goes before you see it, the retirement match and vesting, comparing employer health plans, HSAs and FSAs and how one disqualifies the other, group life and disability, paid time off and unpaid FMLA leave, equity compensation and concentration risk, deferred compensation, and what happens to each benefit when you leave a job.
- [Cash Flow](https://adviceonly.com/personal-finance/cash-flow): Managing money month to month — cash flow versus net worth, why a month that works on paper still overdrafts and how to fix the timing, the fixed/variable/periodic split and sinking funds, how the budgeting methods differ and why no research favors any of them, budgeting an irregular income, automating saving and how automation fails, where short-term cash should sit by time horizon, whether it is genuinely insured (including why "FDIC-insured" on an app is a claim about a partner bank), what your bank charges and why declining overdraft coverage does not stop overdraft fees on checks and ACH, which payments you can get back and why that turns on who initiated the transfer, and how to triage a month you cannot cover.
- [Real Estate](https://adviceonly.com/personal-finance/real-estate): Housing as a financial decision — renting versus buying and why the usual comparison is the wrong one, renting well and what protections renters have, how much house is affordable, what you need saved, shopping for a mortgage, the purchase from offer to closing, what owning costs after you move in, HOAs and condos and co-ops, home equity and refinancing and reverse mortgages, selling including the 2024 change to agent commissions and the traps in the home-sale tax exclusion, and real estate as an investment.
- [Education Funding](https://adviceonly.com/personal-finance/education-funding): Paying for education, up to and including the decision to borrow — what a year actually costs versus the published price and why non-tuition cost barely varies with a college's price, whether real published tuition is still rising faster than inflation (it is not, over the last decade, with four caveats), the return to a degree and the completion probability nobody multiplies it by, where education saving sits against retirement, choosing between a 529, a Coverdell, an ABLE account, a custodial account, savings bonds and a taxable account, who should own the account and what the aid formula actually does with it, how financial aid is calculated and how to compare offers, coordinating the education tax credits with a 529 so the same dollar is not claimed twice, the federal borrowing limits that took effect in July 2026 including the end of graduate PLUS and the caps on parent borrowing, and the six exits from an overfunded 529.
- [Student Loans](https://adviceonly.com/personal-finance/student-loans): Repaying what you borrowed — how to inventory what you owe and to whom, why July 1 2026 split federal borrowers into two repayment worlds and the two ordinary acts (one new loan, or consolidating) that move you across the line, choosing between a fixed-term and an income-based plan, what a servicer can and cannot do and how to escalate past one, where a payment actually goes and why paying extra on the newest plan can forfeit its interest subsidy, the difference between forgiveness you earn and discharge triggered by an event plus the 2026 tax asymmetry between them, the triage order when you cannot pay (change the plan before pausing it), the delinquency-to-default timeline and the three routes out of default, consolidating versus refinancing and which one is irreversible, parent PLUS borrowers as a distinct case, whether to pay ahead, and the student loan interest deduction.

## Personal finance glossary

Plain-English personal finance terms written and reviewed by credentialed advice-only financial planners. Each term page includes a quick summary, definition, advanced explanation, a worked dollar example, pros and cons, and frequently asked questions.

- [Glossary](https://adviceonly.com/glossary): Browsable A–Z index and 19 topic categories.

## For advisors

- [For Advisors](https://adviceonly.com/for-advisors): Member benefits, flat-fee pricing, the support AdviceOnly provides, and the membership standards every advisor must meet.

## Contact

- [Contact](https://adviceonly.com/contact-us): Reach the AdviceOnly team.

## Disclosures

- [Disclosures](https://adviceonly.com/disclosures): Regulatory disclosures and ADV Part 2 access.
- [Privacy Policy](https://adviceonly.com/privacy-policy)
- [Terms of Service](https://adviceonly.com/terms-of-service)
- [Accessibility Statement](https://adviceonly.com/accessibility)