advice-only financial planner

https://page-wiki.win/index.php/How_to_Evaluate_Financial_Advisor_Credentials_Before_You_Hire

An advice-only financial planner gives you guidance without managing your investments or collecting commissions. They focus purely on helping you make informed decisions about budgeting, saving, and retirement. You pay a flat fee or hourly rate for their expertise, so you get unbiased advice tailored to your situation.