Fee-Only Financial Advisors in Cincinnati, Ohio
Independent. Fiduciary. Based here — not routed through a national call center.
A Cincinnati Firm Built for Retirees, Not Everyone
When you search for a financial advisor in Cincinnati, Ohio, you'll find no shortage of names. Large regional firms, national brands with a local office, and everything in between. What's harder to find is a firm that works specifically with retired couples — one that has built its entire practice around the questions that come up after you stop working, not before.
That's what Money & Clarity does. We're a fee-only wealth management firm based in Cincinnati, and our clients are primarily retired couples in their 60s and 70s with serious assets and serious questions. Not questions about accumulation. Questions about duration: how long will this last, what happens if health costs spike, what does the tax picture look like on a large IRA, and who takes care of this if something happens to one of us.
We don't serve everyone. That's intentional. Focusing on retirees means we think about retirement problems all day, every day — and the planning we build reflects that.
Why Fee-Only and Fiduciary Matters in a Crowded Market
Cincinnati has a dense advisor market, and the credentials vary widely. Some advisors earn commissions on the products they recommend. Some are held to a suitability standard — meaning the recommendation just has to be suitable, not necessarily the best option for you. Fee-only fiduciary advisors are held to a higher bar: we're legally required to act in your interest, and we earn nothing from product sales. Every dollar we receive comes from you directly, as a flat fee.
You can verify this. The fiduciary standard is publicly registered and checkable. We're not asking you to take our word for it.
This matters most when you're in retirement and drawing down assets. At that stage, a recommendation that benefits an advisor's commission schedule can cost you in ways that compound over decades. The fee-only, fiduciary model removes that conflict entirely.
Related Service Areas
What Retirement Planning Looks Like at Money & Clarity
Longevity Risk Is the Core of What We Plan For
Most of what worries our Cincinnati clients falls under the same broad concern: outliving their money. That concern has four distinct faces — how long retirement income needs to last, what health care will actually cost, whether long-term care is a gap in the plan, and how to reduce the tax drag on a large pre-tax IRA. Our longevity risk planning work addresses all four in one coordinated plan, not as four separate conversations with four separate advisors.
Our longevity risk planning and retirement income planning work is built specifically around these questions. Dan Cuprill and Fred Taylor have each spent decades in this space — Dan's work has been featured in The Wall Street Journal, USA Today, and Investor's Business Daily, and Fred has a long history in investor education through national seminars and speaking. When you meet with us, you're meeting with the people who actually know your plan.
One Plan, Not Five Disconnected Services
We coordinate financial planning, investment management, tax planning, and legacy planning as a single integrated strategy. That means your investment decisions are made with your tax picture in mind, your income plan accounts for health care costs, and your legacy intentions are built into the structure from the beginning — not added on at the end.
Our team is small by design. Clients reach the people who know their situation. There's no compliance bottleneck slowing down advice, and there's no routing system between you and the people managing your plan. If you're a Cincinnati-area client who wants to meet in person, that's available. If you prefer to work remotely, we serve clients in more than 20 states that way too.