Phillip Durbin: Advice Only Financial Planner
Advice-only financial planning focuses on empowering you to take control of your own financial future. That’s where I come in, giving you the tools, knowledge, and support to succeed without annual fees or investment management requirements.
- Generational Wealth Development focuses on providing everyday people the guidance and resources to thrive in a difficult world.
- I work with you to create a short- and long-term plan for what you want your future to be. With an actual, written-out plan of your future, we work together to take the needed steps to make those dreams a reality.
- We’re a team—I’m your coach. My life right now is heavily influenced by my two boys, 5 and 8. I coach most of the sports that they are in, and that translates directly over to this work. Personal progress is what it’s all about. You need someone to walk this walk with you and help you get better.
My goal is to help regular families and individuals build something meaningful. Let’s build your dream life together.
Financial Planning Services
In-Depth Financial Plan (Advice-Only)
- Build a full financial plan that dives into your short- and long-term goals
- Receive a written, step-by-step plan you can follow
- Get guidance on cash flow, debt, investing, retirement, and more
This is ideal if you want a comprehensive roadmap but prefer to manage your own investments with clear recommendations.
General Hourly Advice
- Hourly financial planning for focused questions
- Guidance on everything personal finance, from intro to advanced
- Topics can include: budgeting, debt payoff, investing basics, retirement accounts, college savings, employee benefits, and more
This works well if you don’t need a full plan yet, but want access to a fee-only financial planner for specific issues.
Financial Advice for Real, Everyday People
You don’t have to be rich, live in a big city, or already have a huge investment portfolio to get real financial advice.
I work with regular people—teachers, nurses, office workers, small business owners, parents, young professionals, and anyone who wants to make smarter decisions with their money.
With the right financial plan, everyday people can build generational wealth over time. Financial advice should be:
- Simple and practical
- Free of sales pressure
- Designed for real life
If you’ve ever felt like traditional financial advice “wasn’t made for people like you,” this firm was built to change that.
From Banker to Advice-Only Financial Advisor
In 2018, I was a loan officer selling debt, and my wife was a teacher. We made intentional choices to shift our savings and investing habits, building a better future for our family.
These changes allowed me to start this business helping others make smart financial decisions. The biggest change? We can be fully present in our boys’ lives—picking them up from school, attending events, and coaching their teams.
These changes didn’t happen overnight, but they began with small, intentional decisions. If you want to change your future, taking control of your finances is the first step.
Make intentional choices today. Always improve yourself.
Why Work With a Fee-Only, Advice-Only Planner?
- Advice-only model: I don’t manage investments or earn commissions. You keep control of your accounts.
- Fee-only: I am paid directly by you, not by product companies or fund providers.
- Built for everyday people: My firm exists for regular individuals and families who want real help with money, not a sales pitch.
- Coach mindset: As a coach and a dad, I believe in steady progress, accountability, and meeting you where you are.
You deserve financial advice that puts your life and your goals first—not your advisor’s bottom line.
Ready to Take Control of Your Financial Future?
If you’re ready to stop guessing and start planning, I’d love to talk.
Contact Phillip to get started.
Click below to connect with a fee-only, advice-only financial advisor and start building generational wealth—no matter where you’re starting from.