Frequently Asked Questions

Custom Fit Financial is based in Cedar Rapids, Iowa, and serves clients locally in Iowa City and across the state. We also work with individuals and families nationwide through secure virtual meetings. Whether we meet in person or online, our process is the same: we take time to understand your goals, values, and full financial picture before offering clear, actionable advice. 

Yes. Custom Fit Financial is a fee-only, advice-only fiduciary firm. This means we are legally and ethically required to act in your best interest at all times. We do not receive commissions or incentives from product sales. Our only compensation comes directly from you, which helps us provide objective, client-first guidance. 

Advice-only financial planning means you pay for professional guidance, not for product sales or investment management. We provide personalized advice to help you make confident financial decisions, while you maintain full control over your accounts and where you choose to implement the plan. This model is one of the most transparent and client-centered ways to receive financial advice. 

Chad Gammon is a CERTIFIED FINANCIAL PLANNER™ professional, a Retirement Income Certified Professional® (RICP®), and an Enrolled Agent authorized by the U.S. Department of the Treasury to represent taxpayers before the IRS.  These credentials represent rigorous education, ethics, and experience standards. He is also a member of NAPFA, XY Planning Network, and the Advice-Only Network—organizations that uphold fiduciary, fee-only principles. For clients, this means your planner is held to the highest professional standards and committed to unbiased, transparent advice. 

We provide comprehensive financial planning that includes:

• Retirement readiness and income planning
• Tax planning strategies
• Investment analysis and portfolio review
• Cash flow and debt management
• College funding and education expense planning
• Insurance and risk management reviews
• Estate planning coordination

Our goal is to help you bring clarity and confidence to every area of your financial life.

Our services are designed for individuals and families with a net worth of $2 million or less who value clear, unbiased advice. We’re a good fit for people who want a collaborative relationship, are open to learning, and appreciate a plan tailored to their goals and values.

We may not be the right fit for those seeking ongoing investment management or commission-based product sales, as we focus solely on advice-only financial planning. 

Our financial planning process begins with a conversation to understand your goals, values, and financial priorities. We review your complete financial picture, including income, expenses, investments, insurance, and taxes, to identify opportunities and challenges.

From there, we build your plan in eMoney, an interactive platform that allows us to collaborate in real time. This is a living plan, not a one-time report. You can see how changes in your goals, spending, or savings affect your long-term outlook. Together, we adjust and refine your plan as life evolves so your financial strategy stays relevant and actionable.

Hourly financial planning is ideal if you want targeted guidance on a specific issue, such as retirement income, tax strategy, or cash flow planning. You pay only for the time and expertise you need, and you receive a written summary or action plan after each session. There are no long-term contracts, product sales, or hidden fees — just clear, objective advice to help you make confident decisions. 

 After your initial plan is complete, you can choose how you’d like to continue. Some clients schedule annual or semi-annual check-ins, while others return as new questions arise. We’ll help you update your plan as your life, goals, and financial situation evolve. Our goal is to remain a trusted resource you can turn to whenever you need expert, unbiased advice.