advice-only RIA 3

https://feeonlyadvisoryfirmsnest.brightpathdigest.com/posts/why-fee-only-advisory-firms-are-reshaping-financial-planning

An advice-only RIA, or registered investment advisor, provides financial guidance without managing your money directly—they don't trade or hold assets. This setup aligns their interests with yours, as they earn fees for their advice, not for selling products. It works well for people who want to make their own investment decisions but need expert help with planning. You pay for their knowledge and time, often through hourly fees or retainers, keeping your assets safe in your own accounts.