advisors who don’t manage investments 2

https://fair-wiki.win/index.php/How_to_Find_Affordable_Financial_Planning_Without_Sacrificing_Quality

Some advisors never touch your portfolio. They focus on behavior, not benchmarks—helping you map out cash flow, navigate tax implications of big life events, or decide when to claim Social Security. They take the long view, nudging you away from panic sales, but they won't pick individual stocks or rebalance your ETFs. Think of them as a financial coach rather than a money manager, great for people who want a second opinion on their plan without handing over control of their accounts.