Wealth Management in Northern New England
Independent, fee-only wealth management for individuals and families across Vermont, New Hampshire, and northern New England. As a fiduciary Registered Investment Adviser, we give advice with no commissions and no product sales, only your goals.
- 100% Fee-Only, No Commissions
- Since 1996 Independent Fiduciary Firm
- CFP® Certified Financial Planner Professional
- VT · NH Winooski & St. Johnsbury Offices
Fee-Only Wealth Management, Built Around Your Goals
Milne Financial Planning is an independent, fee-only wealth management firm serving clients throughout Vermont, New Hampshire, and the wider northern New England region. We coordinate investments, retirement planning, tax strategy, and estate considerations into one clear plan, so the parts of your finances work together rather than in separate pieces.
Because we are fee-only, one hundred percent of our compensation is paid by our clients. We accept no commissions and sell no products, which removes a common source of conflict from the advice you receive. As a fiduciary Registered Investment Adviser, we are held to a standard that requires us to act in your best interest across every advisory recommendation we make.
Whether you are approaching retirement, managing a growing portfolio, or simply want a second set of eyes on your plan, we meet you where you are.
Why The Way You Are Advised Matters
Not all financial advice is delivered the same way. How an advisor is paid, and the standard they are held to, shapes the guidance you receive. Here is why the fee-only, fiduciary model can make a meaningful difference.
Advice Without Sales Pressure
When compensation comes only from clients, there is no incentive to steer you toward a commissioned product. Recommendations are shaped by your goals, not a sales quota.
A Fiduciary Standard
As a Registered Investment Adviser, we are required to place your interest first across our advisory relationship. That standard is written into how a fee-only RIA is expected to operate.
Coordinated Planningl
Investments, retirement income, and tax decisions influence one another. Managing them together helps avoid the gaps that appear when each piece is handled separately.
Transparent By Design
You should always understand what you pay and why. Our fee-only structure is straightforward, and our registration is open for you to review through public records.
Our Wealth Management Services
We bring the moving parts of your finances into one coordinated plan. Explore the areas we help clients across Vermont and northern New England navigate.
-
Financial Planning
A comprehensive plan that connects your goals, cash flow, and investments. This is the foundation of every wealth management relationship we build.
-
Retirement Planning
Strategies for turning savings into dependable retirement income, including timing, withdrawal sequencing, and Social Security considerations.
-
Roth Conversions
Analysis of whether, when, and how much to convert, so you can weigh today's tax cost against long-term flexibility in retirement.
-
Tax Planning
Tax-aware planning woven through your investment and retirement decisions to help you keep more of what you have worked to build.
-
One-Time Services
Ideal if you want guidance without ongoing asset management. We design the plan together and you carry it out at your own pace.
-
Ongoing Management
Continuous support and portfolio management for clients who want a long-term partnership and steady oversight of their plan.