Business Details
45 Years
experience
Your Trusted Financial Planning Partner
Since 1981, Fee-Only Financial Planning has provided objective financial advice rooted in simplicity, transparency, and advocacy. Our approach prioritizes personalized financial counsel, rejecting automated solutions in favor of tailored strategies that integrate all aspects of a client's financial life. With over four decades of experience, we specialize in building lasting alliances with clients to optimize resources and achieve meaningful financial goals. Our philosophy emphasizes long-term relationships over short-term gains, focusing on cash flow, investments, retirement, and estate planning.We operate exclusively as a fee-only firm, avoiding conflicts of interest by not selling insurance or financial products. Our team combines over 80 years of collective experience, delivering collaborative expertise through a family-oriented service model. We serve clients across multiple states, maintaining a steadfast commitment to ethical standards and client-centric outcomes.
Services
Financial Planning
Retirement Planning
Estate Planning
Investment Strategy
Tax Optimization
Insurance Review
Education Funding
Cash Flow Management
Details
- Year established: 1981
Highlights and features
- We have over 40 years of experience in fee-only financial planning
- Our team combines 80+ years of collective financial advisory expertise
- We operate with complete transparency and no product commissions
- Our personalized approach integrates all aspects of financial planning
- We maintain long-term client relationships built on trust and advocacy
Services
Financial Planning
Our comprehensive financial planning service integrates cash flow analysis, investment strategy, and goal setting to create personalized roadmaps for financial success. We examine net worth, debt structures, and risk tolerance to develop actionable plans that address both immediate needs and long-term objectives. Our approach ensures all financial components work cohesively to support clients' life goals.
Retirement Planning
We specialize in creating tailored retirement plans that optimize employer benefits, Social Security, and personal savings. Through detailed income projections and account consolidation, we help clients achieve financial independence while minimizing tax liabilities. Our strategies focus on sustainable withdrawal rates and market volatility management to ensure long-term security.
Estate Planning
Our estate planning service coordinates with legal professionals to organize asset distribution and beneficiary designations. We analyze ownership structures and insurance needs to protect wealth transfers while addressing tax implications. The process ensures clients' wishes are preserved while maintaining compliance with evolving regulations and family circumstances.
Investment Strategy
We develop customized investment approaches based on individual risk profiles and financial goals. Our strategies emphasize tax-efficient positioning, asset allocation, and periodic rebalancing to maintain alignment with market conditions. We focus on long-term growth through diversified portfolios rather than short-term market timing tactics.
Tax Optimization
Our tax optimization service coordinates with CPAs to implement strategies that reduce tax burdens across all financial aspects. We analyze withholding schedules, estimated tax payments, and investment tax-loss harvesting opportunities. The approach integrates with broader financial plans to maximize after-tax returns while maintaining compliance with federal and state regulations.
People
Andrew M. Hudick
Founder, Managing Member
Andrew founded Fee-Only Financial Planning in 1981 and has provided financial counsel to thousands of families. He combines entrepreneurial experience with personal financial expertise, maintaining active involvement in client relationships while pursuing lifelong learning through global travels and professional development.
M. Eden Bowen
Partner and Financial Planner
Eden joined the firm in 2016 and earned her CFP designation in 2019. She leads client planning engagements while serving on the NAPFA South Region Board. With a master's degree in personal financial planning and equine industry experience, she brings specialized expertise in financial therapy and client relationship management.
Anne M. Hudick
Chief Compliance Officer
Anne has served as financial advisor since 1989 and currently oversees compliance and financial operations. Her career spans 25 years in Virginia and South Carolina, combining financial expertise with community involvement in therapeutic riding programs and local initiatives.
Questions
What makes your financial planning approach unique?
Our holistic approach integrates all financial components rather than offering segmented services. We focus on long-term relationships and avoid product sales commissions to maintain objective advice.
Do you work with clients outside Virginia?
Yes, we serve clients in Georgia, South Carolina, and across the US through virtual consultations while maintaining our Roanoke, VA headquarters.
How do you charge for your services?
We operate on a transparent fee-only basis without commissions or product sales. Our compensation structure aligns with client interests through advisory fees tied to service scope.
What experience does your team bring?
Our team combines 80+ years of financial planning experience with advanced degrees and industry certifications, including CFP designations and specialized training in financial therapy.
How do you handle investment management?
We create customized investment strategies focused on long-term growth rather than market timing. Our approach emphasizes tax efficiency and asset allocation tailored to individual risk profiles.
Can you help with retirement planning?
Yes, we specialize in retirement planning through Social Security optimization, pension analysis, and sustainable withdrawal strategies designed to maintain financial security throughout retirement years.
