• Scott Snider

Did You Know We're Partnered with the XYPN, NAPFA, & the Fee-Only Network

With all of our terminology and acronyms in the world of finance, sometimes consumers can feel as if they are being spoken to in a foreign language. The confusion that results can lead to mistakes and regret, especially in the area of advisor compensation. Whether it’s fee-based, fee-only, or commission-based, the type of compensation model an advisor uses can make a huge difference in the kind of advice you receive and the type of relationship you are able to build with your advisor.


At Mellen Money Management, our goal is to provide conflict-free advice. As a fee-only fiduciary and independent financial advisor, we are never paid commissions of any kind and we have a legal obligation to provide unbiased and trustworthy advice. This is all so that you, as our client, can have peace of mind that your money is in good hands. As such, we have partnered with the XY Planning Network, NAPFA, and the Fee-Only Network to display our commitment to you and have access to more resources and support to help you meet your financial goals and receive the very best service we can provide.


The XY Planning Network is an organization of fee-only financial advisors who focus their services on Generation X and Generation Y clients. XYPN connects clients with the right financial advisors. Every XYPN advisor offers comprehensive financial planning and monthly retainer services and does not require asset minimums, which means you can get the help you need no matter how much you have saved. Finally, all XYPN advisors are fiduciaries and do not accept commissions or kickbacks. Their sole goal is to help you reach your financial goals.


The National Association of Personal Financial Advisors is the country’s leading professional association of fee-only financial advisors. This organization upholds high standards for their advisors, who are committed to working in the best interests of their clients. Each advisor in NAPFA must sign and renew a fiduciary oath and ascribe to their code of ethics. NAPFA also provides support and education for fee-only advisors and helps them provide independent and objective financial advice for individuals and families.


The Fee-Only Network believes that only independent, fee-only financial advisors can offer unbiased and objective financial planning and investment management. The network connects clients just like you with best-in-class advisors who specialize in what you need, offers education to the general public and to advisors, and furthers the mission of organizations like NAPFA and XYPN.


Choosing an XYPN, NAPFA, or Fee-Only Network member as your financial advisor ensures that you come first. Your advisor will earn money through retainer-based, fee-only comprehensive financial planning. You won’t ever have to wonder if your best interests are the priority because your planner does not earn commissions from products or organizations they recommend. At Mellen Money Management, we pride ourselves on providing exceptional service to each of our clients based on their unique goals, and partnering with these organizations is just one more way to show our commitment to our clients. If you’d like to learn more about the services we provide or have any questions about our fee-only financial planning that allows us to put your needs first, set up your free introductory phone call online today!


Scott Snider is the founder of Mellen Money Management, an independent, fee-only financial planning firm specializing in college-specific consulting and student loan repayment advice. Scott has more than ten years of industry experience and is an FPA Northeast Florida board member, member of XY Planning Network and NAPFA, and is part of the Finance Advisory Council at University of North Florida. He graduated with a Bachelor of Science in Finance from Miami University and holds both the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Retirement Planning Counselor (CRPC) designations. He lives in Nocatee with his wife, Emily, their daughter, and their two dogs. He loves animals, spending time outside, and anything sports related! Learn more about Scott by connecting with him on LinkedIn.

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