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Matthew Fitzgerald, CFP®

Tax-Integrated Planning for Retirees & Business Owners | Fiduciary | Fee-Only

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Holistic Planning Matthew Fitzgerald, CFP®
Sedona, AZ

Serving Clients Nationwide

Tax-Integrated Planning for Retirees & Business Owners | Fiduciary | Fee-Only

5 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

(928) 254-4000

Website

Areas of Focus

  • Alternative Investments
  • Cash Flow
  • Estate Planning
  • Financial Life Planning
  • Giving
  • High Net Worth
  • Insurance
  • Investment Management
  • Retirement Planning
  • Taxes

About Matthew Fitzgerald, CFP®

Are you seeking a financial advisor with a fiduciary obligation to act in your best interest? Matthew Fitzgerald, CFP® is a fee-only, fiduciary financial advisor serving clients in Sedona, Arizona and nationwide. As a registered investment adviser, he is legally obligated to act in your best interest throughout the advisory relationship. His fee-only compensation structure — meaning he is compensated directly by clients rather than through commissions — is designed to reduce conflicts of interest, though as with any advisory relationship, some conflicts may exist and are disclosed in full in the firm's Form ADV.

What sets this practice apart is the commitment to understanding what truly matters to you. Rather than focusing solely on numbers and returns, Matthew takes time to understand the deeper motivations behind your financial goals — whether that's building a tax-integrated financial plan, developing a comprehensive estate plan, exploring alternative investments, or creating a customized strategy suited to your specific situation. This comprehensive approach considers your current circumstances, long-term objectives, and the personal values that shape your financial decisions.

Each financial plan is tailored to your individual circumstances, with clear communication and transparent guidance throughout the process. Matthew understands that financial planning isn't just about wealth accumulation — it's about creating the life you envision for yourself and your family.

Matthew Fitzgerald, CFP® has been in practice since 2016, serving clients throughout the Sedona and Verde Valley area and nationwide. He specializes in tax-integrated planning, alternative investments, estate planning, and strategies tailored to business owners, retirees, and families navigating complex financial decisions. In 2025, Matthew established Holistic Planning as an independent advisory practice to deliver comprehensive, integrated financial guidance.
Matthew welcomes clients who want a planning relationship built on transparency, independence, and genuine partnership.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®

Affiliations

  • National Association of Personal Financial Advisors

Primary Location

1785 W State Rte 89A, Suite 2F, Sedona, AZ 86336

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Only
  • Percentage of Assets Managed

What to expect in the first meeting

Click the 'Book Intro Call' button above to schedule a free introductory conversation. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.

Offers Investment Management

Yes

Offers Tax Preparation

Yes

About Holistic Planning

Holistic Planning is a firm of fiduciary financial advisors who believe a business should grow based on how much it improves your life through doing good work. Not by leveraging your portfolio for their own gain.

We’re planning-first fiduciary advisors. It’s our job to anticipate your needs and provide thoughtful recommendations by understanding what you want from life. The Holistic approach gives you the most complete care by accounting for all your financial needs: investments, taxes, and estate planning.

We see financial planning differently. Everything we do is through the lens of what’s best for you. We remove the complexity from your financial life, piecing together an all-inclusive plan that reflects your vision for a life worth remembering.

Holistic planning means looking at the whole picture, not just isolated parts. It’s the intersection of investments, taxes, and estate planning—all working together under one roof.

Unlike traditional advisors or CPAs, who often focus on one area or year at a time, we take a long-term, proactive approach. This helps ensure that every decision today sets you, your family, and your legacy up for success, for good.

We know financial decisions can be emotional. That’s why we take the time to educate you, answer every question, and explain the “why” behind our recommendations. Nothing templated—just highly-specialized advice designed to fit your life like a warm glove.

Education

Northern Arizona University, Bachelor's of Science, W.A. Franke College of Business, Hotel and Restaurant Management

Hobbies and Interests

  • Family
  • Golf
  • Hiking
  • Traveling

SEC Lookup

View Disclosure

Who We Serve

  • Baby Boomers
  • Blended Family
  • Business Owners
  • Corporate Executives
  • Divorce
  • Dual Income Family
  • Entrepreneurs
  • Families
  • Gen X
  • Intergenerational Families
  • Living in Retirement
  • Parents
  • Single Women
  • Widow
  • Women in Transition

Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 15, 2026
Matt Fitzgerald is an accomplished & trustworthy financial planner who takes relationship building and clear communication seriously. His efforts have made it possible for us to retire comfortably. His guidance is always researched and sound. He has always focused his efforts on what is in OUR best interests. Giving Matt and his team a "5" is earned as well as it is our pleasure to support them.
Relationship to Financial Advisor: Client as of Mar 15, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Jan Bigelow
Jan Bigelow

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 5, 2026
We are very glad to have Mathew and Megan help us with our financial plans. They are both very knowledgeable and proactive in keeping us informed and making sure our retirement needs are met.
Relationship to Financial Advisor: Client as of Mar 5, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for carbonarc
carbonarc

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 4, 2026
I can’t recommend Matt and his team highly enough. Before working with them, I felt like I was just "saving money" without a real strategy. Now, for the first time, I actually have a roadmap that makes sense for my life and my long-term goals. What sets them apart: Zero Jargon: They have an incredible gift for breaking down complex financial concepts—like tax strategies and estate planning—into plain English. I never leave a meeting feeling confused. Truly Personalized: This isn't a "cookie-cutter" portfolio. They took the time to understand my specific risk tolerance and what I actually want my retirement to look like. Proactive Communication: I never have to chase them down. Whether the market is volatile or there’s a new tax law change, they reach out first to let me know how it affects me. Beyond the numbers, there is a massive peace of mind that comes with knowing a professional is looking at the "big picture" for me. If you’re looking for someone who is as invested in your success as you are, look no further.
Relationship to Financial Advisor: Client as of Mar 4, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Lisa Kershner
Lisa Kershner

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 21, 2026
Prior to my meeting with Matthew Fitzgerald, I was hesitant about working with a Financial Advisor. I’m already retired and my retirement portfolio is modest. The only other advisors I had ever consulted were through my employer’s retirement plan. Those sessions had primarily focused on particular types of products they had available and matching those to my risk tolerance to build my portfolio. I consulted Matthew because I wanted a professional evaluation of my financial position and advice on achieving a personal goal. Unlike the other financial advisors I’d consulted, Matthew is a fiduciary, so I could trust that his advice would be unbiased and without any conflicts of interest. Matthew took the time not just to review my financial history but to get to know me and my aspirations. He did a thorough review of my current financial situation and advised me on specific approaches I could take to put myself in a position to reach my objective. He was knowledgeable, professional and personable and explained things clearly, in layman’s terms that I understood. I felt as though he understood my financial situation as well as my personal goals and provided me with the needed guidance and confidence to integrate them successfully. I would recommend Matthew and his financial planning expertise to anyone who is seeking a comprehensive approach to meeting their financial goals.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Judy Guinan
Judy Guinan

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 9, 2025
I have had numerous financial planners and advisors since I began retirement investing over 40 years ago. Working with Matthew Fitzgerald at Holistic Planning of Sedona Arizona has been by far the most outstanding experience in this long history. My previous financial advisors and the firms they worked with have all been disappointments. I realize now they dealt with me primarily as an asset for growing their own wealth, and were only secondarily concerned with providing me a healthy financial future. Matthew and his firm treat me like family and we have a relationship that is based on unparalleled trust. Their primary goal is to ensure MY financial condition is secure, and have accomplished this goal admirably. What distinguishes Holistic Planning of Sedona and CPA Matthew Fitzgerald is their comprehensive approach to financial planning and wealth management. The focus is not just investment management — although Matt’s training, insight and strategy in this area are beyond excellent — he also integrates tax planning, retirement strategies, and estate planning seamlessly under one roof. His affiliation with Holistic Planning provides access to teams of professionals specializing in these various components of a comprehensive suite of wealth management services. It’s incredibly reassuring to know that all these critical elements of my financial life are being considered together rather than in isolation. Matthew is an attentive and thoughtful listener. He takes time to truly understand my personal goals, risk tolerance, and objectives. I never feel ignored, rushed or like I’m being sold something. I feel like a contributing partner throughout the planning process. He crafts solutions that specifically reflect my communicated needs, not a one-size-fits-all approach. Another major advantage of working with Holistic Planning is the strength of their partnership with Raymond James (RJ), the investment accounts custodian. RJ has millions of clients in the US and abroad, and trillions of dollars under administration. They provide layer upon layer of asset and privacy protection, and are the fourth most admired securities company IN THE WORLD. The investment options Matthew provides are impressive. What is most important to me now as a 70 year old risk intolerant investor is that Holistic Planning provides a diverse range of low risk assets that help reduce my exposure to profound market downturns while still realizing good returns when markets are up. I highly recommend Matthew Fitzgerald and Holistic Planning of Sedona to anyone, including my own friends and family, at any level of investment and wealth management sophistication. They offer a comprehensive, integrated approach, high levels of expertise, and provide a personal touch that I have not otherwise experienced in my lifetime of financial investing. I would be remiss if I did not mention the high quality Holistic Planning front office staff. It is efficient and meticulous handling communications, planning, documentation, and scheduling with a high level of expertise that enhances the positive client experience.
Relationship to Financial Advisor: Client as of Jul 9, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Joseph Cook
Joseph Cook
Get answers to frequently asked questions regarding the services offered by Matthew Fitzgerald, CFP® View Disclosures

FAQs

Are you a fiduciary?
Yes, Holistic Planning is a fiduciary, which means we are legally and ethically bound to always act in your best interest. Our commitment is to provide objective advice that prioritizes your financial well-being. We don’t push proprietary products, have sales quotas, or receive commissions—our success is measured by your success. Schedule an Intro
How does Holistic Planning charge for its services?
Holistic Planning operates on a fee-only basis, I'm compensated directly by clients, never through commissions or product sales. For most clients, fees are based on a percentage of assets under management. For clients with $1 million or more in managed assets, tax preparation is included as part of the service, reflecting my commitment to integrated financial and tax planning under one roof. For clients seeking financial planning without investment management, a separate financial planning fee may apply. Full details are disclosed in Holistic Planning's Form ADV Part 2A, available upon request Form ADV Part 2A
What does tax-integrated financial planning mean and why does it matter?
Tax-integrated planning means your investment strategy, retirement income, and estate decisions are coordinated with your tax situation — rather than treating each in isolation. Most advisors manage investments and leave taxes to your CPA. I bring both together under one roof, with the goal of managing your lifetime tax burden as part of a comprehensive financial plan. For retirees, this often means Roth conversion strategies, Social Security timing, and tax-efficient withdrawal sequencing. For business owners, it means aligning business decisions with your personal wealth plan.
What types of clients do you work with?
I primarily work with retirees, pre-retirees, and business owners navigating complex financial decisions. Common planning needs include tax-integrated retirement income planning, Roth conversion strategies, estate planning, alternative investments, and coordinating wealth across multiple accounts and life stages. I serve clients throughout the Sedona and Verde Valley area and work with clients nationwide via virtual meetings.
Do you work with clients outside of Sedona, Arizona?
Yes. While my office is located in Sedona, I work with clients throughout the Northern Arizona — including Cottonwood, Camp Verde, and Flagstaff — and with clients nationwide via video conference. If you're outside the area, the process is the same: we meet virtually, and I provide the same comprehensive, integrated planning experience regardless of where you're located.
How do I know if Holistic Planning is the right fit for me?
The best way to find out is a no-obligation introductory call. We'll talk about your situation, your goals, and what's been on your mind financially. I'll share how I work and what the planning relationship looks like. There's no pressure and no commitment — just a genuine conversation to see if we're a good fit. You can book directly using the "Book Intro Call" button on this page. I look forward to speaking with you. Schedule an Intro

FAQ Disclosures

Holistic Planning, LLC (“Holistic”) provides investment advisory services through Uptick Partners, LLC, a Registered Investment Adviser.

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