Fee-Only Financial Advisor Serving Roseville, MN

Working with a financial advisor in Roseville means more than reviewing your portfolio once a year. At R.M. Shannon Wealth Management, we offer comprehensive financial planning that connects your investments, retirement timeline, tax situation, estate, and values into a single, coherent strategy. As a fee-only, fiduciary firm, we work for you — not for commissions, not for product sales.

Roseville Residents Deserve More Than Portfolio Reviews

Most people come to us thinking they need investment help. What they actually need is a plan. Wealth management in Roseville — and everywhere else — works best when it accounts for the full picture: when you want to retire, what income you'll need, how taxes will affect your distributions, what happens to your estate, and how your giving fits in. We build that plan with you, and we revisit it as your life changes.

What Fee-Only and Fiduciary Mean for You

These two terms carry real weight, and Roseville households deserve to understand exactly what they mean before choosing a financial advisor.

 

  • Fee-only means we are compensated only by you — never through commissions, referral fees, or product sales. There is no financial incentive for us to recommend one investment over another.
  • Fiduciary means we are legally and ethically required to act in your best interest at all times — not just when it's convenient.
  • CFP® certified means the planning you receive meets the highest standard of financial planning education, examination, and ongoing ethics requirements in the profession.

 

Together, these commitments mean the advice you receive is designed around your goals — nothing else.

Financial Planning Services Available to Roseville Clients

We work with pre-retirees, retirees, families, and faith-motivated households across the St. Paul area, including Roseville and the surrounding East Metro. Our planning covers:

 

  • Retirement planning — income sequencing, Social Security timing, and withdrawal strategy
  • Investment management — portfolio construction aligned to your plan and risk tolerance
  • Tax planning — proactive strategies to reduce your lifetime tax burden
  • Estate planning — coordination with your documents, beneficiaries, and legacy intentions
  • Charitable giving — donor-advised funds, direct giving strategies, and values-aligned philanthropy
  • Business planning — succession, exit strategy, and owner financial planning

 

Each service connects to the others. That integration is the point.

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Common Questions from Roseville Residents

  • What does a fee-only financial advisor in Roseville charge?

    Fee-only advisors charge directly for their services — typically as a percentage of assets under management, a flat annual retainer, or an hourly rate. There are no commissions or product-based compensation involved. We're happy to walk you through our specific fee structure during an initial conversation.

  • How is a fiduciary advisor different from a broker or commission-based planner?

    A fiduciary is required to act in your best interest at all times. Brokers and commission-based planners are held to a lower "suitability" standard, which allows them to recommend products that are appropriate for you but may not be the best available option. The difference matters most when there's money to be made on the recommendation.

  • Do you work with clients who are still a few years from retirement?

    Yes. Many of our Roseville clients come to us five to fifteen years before their target retirement date. That window is often when the most consequential planning decisions are made — contribution strategies, tax positioning, investment allocation, and income planning all benefit from being addressed well before the transition.

  • Is faith-based financial planning available to Roseville clients?

    It is. We offer planning that integrates Catholic values and principles for households where faith informs financial decisions. This includes guidance on charitable giving, values-aligned investing, and legacy planning rooted in those commitments. You can learn more on our faith-based planning page.