Fee-Only Financial Advisors in Mount Joy, PA

Looking for a trusted financial advisor near you who puts your interests first? Stewardship Advisors is an independent, fiduciary, and fee-only financial advisory firm based in Mount Joy, PA. We specialize in providing transparent, personalized financial advice to help you achieve your goals.

Stewardship Advisors team

What Does It Mean to Be a Fee-Only Independent Fiduciary Financial Advisor?

At Stewardship Advisors, we are proud to serve as fiduciaries, meaning we are legally required to act in your best interest. Unlike commission-based or fee-based advisors, we are compensated solely by our clients. This ensures our advice is free from external influences, providing clarity and peace of mind for your financial future.



Why Work with a Fee-Only Financial Advisor in Lancaster County?

  • Local Expertise: As a Mount Joy-based firm, we understand the unique needs of individuals and families in Lancaster County.
  • Trust and Transparency: We offer a clear fee structure with no hidden commissions or surprises.
  • Holistic Financial Guidance: From financial life planning to investment management, we provide solutions that align with your personal goals.

Who We Work With

Whether you're just starting your financial journey or have significant assets, we work with:
  • Young professionals and families looking to build a secure financial future.
  • Business owners and retirees planning for the next phase of life.
  • Local organizations seeking financial planning support.
Financial advisor meeting with a client.
Financial advisors meeting at a table in an office.

Why Choose an Independent Financial Advisor?

In your research for a local financial advisor, you have probably encountered advisors from the large firms; you know, the ones that run commercials during the Super Bowl. While these advisors are local and may have sound advice, they are not independent.

One of Stewardship Advisors' founding ideas was to be an independent firm, without influence from outside sources. As a fee-only financial advisor in Lancaster County, we believe it is the most transparent and straightforward way for our clients to pay for services.



Financial Planning – No Matter Your Portfolio Size

Many financial advisors require you to have a minimum portfolio size before they'll work with you. If your assets don't hit their threshold, you're simply turned away.

At Stewardship Advisors, we do things differently. Whether you're just beginning your investment journey or have spent years building your portfolio, we work with individuals and couples at every stage and situation.

No matter your situation or stage in life, we can help you create a financial plan and give you the support to enact it.

Common Questions About Fee-Only Financial Advisors


How do I know if a financial advisor accepts commissions?

Chances are, if you have ever looked at a financial advisor’s website, read the back of their business card, or listened to their radio advertisements, you have probably read or heard the phrase “securities offered through” in their disclaimer. Put simply, this phrase tells you that the advisor has a license to accept commissions from investment companies. Another important phrase on a business card or website to look for is “registered representative.” This also indicates that an individual is licensed to accept commissions and other back door compensation.



What types of fees do fee-only financial advisors charge?

Two types of fees that fee-only financial advisors can charge are: 1. A financial planning fee, and 2. An asset under management (AUM) fee. The financial planning fee is often based upon the complexity of your situation and usually covers the creation of the financial plan and can include the ongoing maintenance of the plan. The AUM fee, which is usually paid quarterly, is a percentage based upon the size of your portfolio.



Are there any surprise costs or commissions with a fee-only advisor?

No. Clients will sign a financial planning agreement and/or investment management agreement that will outline the fees they will pay. Some investments may incur a transaction cost from the custodian. And if you have a mutual fund with another advisor, there may be a small ticket charge to exit the fund when onboarding.



Is there a difference between “fee-based” and “fee-only financial advisors?

Yes, fee-based advisors may have a mix of both commissions and flat fees, while fee-only advisors are only compensated via fees. Fee-based advisors who accept commissions retain the same potential for conflict of interest that fee-only advisors seek to avoid.

Financial services client in a meeting with a financial advisor.

Client Success Story

See how our team was able to provide Sally with clarity and confidence that her finances would support her goals of moving closer to loved ones in Florida.




Meet Our Team

Our dedicated team of advisors works with clients throughout Lancaster County and beyond. With deep local knowledge and a commitment to fiduciary standards, we are here to help you every step of the way.


Stewardship Advisors team outside of the Mount Joy, PA office.

Are We a Good Fit? Let’s Find Out Together.

We know that successful advisor/client relationships are based on trust, accountability, and shared vision. Those things can be hard to completely measure by reading words on a screen, but we can get a better feel for each other during an initial phone call. During this 15-minute call, we will ask some questions about your current financial situation, your initial goals, and answer any questions you have.

Schedule a free 15-minute consultation today to learn how we can help you achieve your financial goals.