Independent Fee-Only Advisory Firms in the APFORIA Network
Each firm operating under APFORIA is committed to being fee-only. Each firm is able to build their practice doing business under their own name, their own brand, and the ability to keep their client relationships. As APFORIA Tenant Firms, each benefits from SEC registration, compliance support while staying true to being fee-only, fiduciaries, focused on serving clients.
Firms operate as "APFORIA dba [Firm Name]," combining the strength of an SEC registered RIA with the trust of a locally known advisor.
Clear Insight Wealth Management brings 38 years of combined team experience to the complex financial lives of military families, federal employees, and business owners. Founded by Adrienne Ross, CFP®, ChFC®, AFC®, and Rebecca Meats, CPA/PFS, the firm integrates purpose-driven financial planning, customized investment management, and proactive tax guidance into one cohesive strategy. Whether navigating a military-to-civilian transition, planning for a child with special needs, or building a business exit plan, Clear Insight helps clients find clarity and confidence at every stage.
Redeployment Wealth Strategies was founded on the belief that military families deserve fiduciary advisors who tell 100% of the truth — not just 100% accurate advice. Founded by Sean Gillespie, MQFP®, and based in Virginia Beach, the firm specializes in helping servicemembers, veterans, and military retirees achieve financial independence through comprehensive planning, investment strategy, and military-to-civilian transition guidance. RWS is a proud member of the XY Planning Network and the Military Financial Advisors Association.
Ahead Full Wealth Management serves military service members, veterans, and educators seeking confident, values-aligned financial guidance. Founded by Greg Young and based in North Kingstown, Rhode Island, the firm integrates financial planning, tax strategy, and investment management to help clients navigate career transitions, major life decisions, and long-term wealth building. Ahead Full has been featured in Financial Planning Magazine, MarketWatch, and NerdWallet.
Next Mission Financial Planning was founded in 2021 by Mike Hunsberger, CFP®, MQFP®, ChFC®, a 25-year Air Force veteran who built the firm to serve senior military personnel navigating retirement and transition. Based in St. Charles, Missouri and serving clients nationwide, the firm offers flat-fee financial planning, investment management, and college funding guidance — always fiduciary, always objective. Mike has been featured in multiple national financial publications and hosts on-demand military retirement webinars.
Always Ready Financial Planning helps military families approaching retirement align their money with their values and move into the next chapter with clarity and confidence. Founded by Joseph Brown, CFP®, MQFP®, Ph.D., CCFC—a retired Coast Guard captain with 25 years of military service—the fee-only firm specializes in military retirement, education benefits, college planning, tax planning, and investment management. Based in Westerly, Rhode Island, and serving households nationwide, Always Ready offers both one-time comprehensive financial plans and ongoing planning partnerships designed around each family’s financial mission.
Instar Financial Planning provides comprehensive and short-term fee-only financial planning tailored to the unique needs of military veterans and federal civilian employees. Amy King holds the CFP®, ChFEBC™, and CRPC® designations and is admitted to practice before the IRS — bringing specialized expertise in federal benefits, retirement planning, tax planning, and investment review. Instar is a member of NAPFA and the XY Planning Networks and serves clients through both ongoing and one-time engagements.