npvadvisory.com

What It Is

NPV Advisory Services, LLC is an independent financial planning and tax advisory firm based in Georgia, USA. Unlike typical financial product sales organizations, the firm operates on a “fee-only” model and adheres to a strict fiduciary standard. It does not accept any commissions and charges clients solely for the professional advice it provides. Founder Lane Mullinax has 33 years of interdisciplinary experience spanning financial planning, tax, legal matters, and business operations.

Core Dimensions

• Service Types: Core services include tax advice and planning, financial analysis and planning, estate and trust consulting, investment advice, and business leadership consulting. Notably, the firm provides ERISA 3(38) retirement plan design and implementation services, meaning it is willing to assume legal responsibility for selecting and monitoring plan investment options—something relatively uncommon in the industry.
• Compliance and Licensing: The firm strictly follows fiduciary standards and provides ADV disclosure documents. The founder holds multiple professional credentials, including JD (Juris Doctor), CFP (Certified Financial Planner), MBA, and CRPS (Chartered Retirement Plans Specialist), indicating a very high level of compliance and professional qualification.
• Coverage: The firm is physically located in Georgia, USA, primarily serving Atlanta and the northern counties, while also providing services to clients worldwide through virtual consultations.
• Payments and API: As a traditional advisory firm, NPV Advisory does not provide fintech infrastructure services such as payment gateways, fund settlement, or API integrations.

Pricing

The firm uses a “fee-only” model and firmly rejects any form of commission. However, the official website does not disclose specific consulting rates or billing methods (such as hourly fees or assets-under-management pricing). Prospective clients need to contact the advisor directly for a quote.

Pros and Cons

• Pros: Adheres to a fiduciary standard with no conflicts of interest; has ERISA 3(38) capabilities, allowing employers to transfer retirement plan compliance risk; offers deeply customized solutions through an interdisciplinary team combining legal, tax, and financial expertise.
• Cons: Not a payment processor and does not provide transaction or fund settlement services; lacks transparent pricing; its services are heavily tied to U.S. tax law and ERISA regulations, making them less applicable to non-U.S. businesses.

Who It’s For

Best suited for U.S.-based small and mid-sized business owners—especially companies that need to design retirement plans such as 401(k)s—high-net-worth individuals, and law firms requiring tax compliance support, such as Kovel letter arrangements.

Access from China

As a standard corporate informational website, it can be accessed directly from China with no access restrictions.