Clarity and Confidence for Your Retirement Path

What sets us apart from other advisors is your choice of services.

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.

Request A Consultation Call 802-249-7107

Milne Financial Planning wealth management in northern New England

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 On Your Terms

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.

Not everyone wants an advisor to manage their assets, and we built our firm around that reality. Our one-time, fee-only services give you a complete, personalized plan without ongoing management. We design the strategy together, you keep control of your accounts, and you carry it out at your own pace. It is an ideal fit if you want expert guidance, a second set of eyes, or a clear roadmap you can execute yourself. Clients who prefer a long-term partnership can choose our ongoing management option instead.

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 plan you can run on your own, 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, Not Piecemeal

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.

The Choice Is Yours

One Time Services

This is the ideal option if you want guidance without asset management from the advisor. We collaborate to design your plan, providing direction while you execute it at your own pace.

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Ongoing Services

This option is perfect for those seeking continuous support and partnership in their financial journey. We handle the implementation and management of your portfolio, giving you peace of mind and the freedom to enjoy life while we address any questions you have.

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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.

Why Clients Across Northern New England Work With Us

Our Pledge
We understand that helping clients manage their finances is a tremendous responsibility and we do not take that trust lightly. We pledge to do our utmost to act in good faith and always in the best interest of our clients

We are a local firm rooted in Vermont serving clients throughout northern New England, with offices in Winooski and St. Johnsbury. You work directly with the people who built this firm.

Fee-Only Fiduciary

One hundred percent of our compensation is paid by our clients. No commissions, no product sales.
Independent Since 1996

Founded to give honest, conflict-aware advice, and independently owned ever since.
Rooted In Northern New England

We live and work where our clients do, with offices in Winooski and St. Johnsbury, VT.
Coordinated Advice

Investments, retirement, and tax strategy managed together, so the whole plan stays aligned.

Jamie Milne, CFP®

Founder

Founded Milne Financial Planning in 1996 to build a fully independent, fee-only firm. A CERTIFIED FINANCIAL PLANNER™ professional who takes his fiduciary oath seriously and centers every decision on the client.

Katheryn Milne

Client Services Manager

A CPA licensed in Vermont who joined the firm in 2023. She focuses on client care, solving problems, and following through on the details that keep each relationship running smoothly.

Areas We Serve

From our offices in Winooski and St. Johnsbury, we provide wealth management to individuals and families across Vermont, New Hampshire, and the broader northern New England region. Many clients meet with us in person, and we also work with clients remotely.

Greater Burlington and Winooski, VT
St. Johnsbury and the Northeast Kingdom
Montpelier and central Vermont
Communities across New Hampshire
Northern New England statewide

Request A Consultation

If you want a clear, coordinated plan for your wealth, let's start the conversation. Share a few details and we will reach out to find a time that works for you. There is no obligation, and the choice of how we work together is always yours.

Prefer to talk now? Call 802-249-7107