advice-only financial advisors 3

https://findfiduciaryadvisormag.slatecurrent.com/posts/how-to-find-a-fiduciary-advisor-who-puts-your-interests-first

Advice-only financial advisors provide guidance without managing your investments or selling products, focusing purely on your financial planning needs like budgeting, retirement, or debt management, typically charging a flat fee or hourly rate for their unbiased expertise.