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Committed to client-first advice

Bringing together fee-only advisors and clients looking for a  true partnership

Mission

It is the mission of the Garrett Planning Network to:

Advocate for advice that starts with holistic, fee-only financial planning and supports both do-it-yourself investors and those who choose fee-only investment management.

Create and support a community of financial planners who are committed to the highest ethical standards, professional development, and building thriving practices.

Foster a community of financial planners who offer some combination of hourly planning, project-based engagements, and pro bono advice services without regard to investable assets or net worth, and without requiring a commitment of ongoing services.

Testimonials

Proven Results, Real Feedback

"Realizing there were other very-like-minded planners affirmed my business model and gave me confidence to open and sustain my firm."
Kathy HankardFinancial Advisor
"Mentorship from specific GPN members, and more generally, having a community of like-minded professionals gave me the confidence to move forward. I think it would be fair to say that my current professional goals would not exist without having come in contact with GPN and it's wonderful members."
Scott GutmanFinancial Advisor
"Having a community of like-minded colleagues has given me confidence and comfort knowing others have similar experiences or knowledge that I may not have."
Tracy St JohnFinancial Advisor
"GPN has greatly changed my professional mindset. I had missed the exchange of ideas with colleagues. I no longer feel I am operating in a vacuum. Instead I have connected with like minded professionals. Attending GPN calls, connecting in the online space, and attending the retreat has given me the community I craved."
Maura MaddenFinancial Advisor
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About the Founder

Sheryl Garrett

Founder

Sheryl Garrett founded the Garrett Planning Network in 2000, pioneering an as-needed, fee-only model designed to make competent, objective financial advice accessible to everyone. Her approach quickly gained traction, growing into a nationwide network of advisors who share a strong commitment to client-first service and transparency.

Over the years, Garrett earned widespread recognition for her impact on the profession. She was dubbed “The All-American Planner,” named six times as “one of the most influential people in financial planning,” and widely regarded as both an innovator and an icon in the industry.

Her dedication to advancing ethical standards led her to become a founding member of the Committee for the Fiduciary Standard. She was later honored with the Frankel Fiduciary Prize, reflecting her enduring commitment to ensuring that all Americans have access to advice grounded in transparency, objectivity, and trust.

As she prepared to retire, Garrett chose to have the network purchased by its members rather than an outside firm. This decision preserved the integrity of her vision while strengthening the sense of community, shared responsibility, and mission that continues to define the organization.

Rachael Lord, CAE®

Managing Director
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Rachael Lord is the Managing Director of the Garrett Planning Network (GPN). She brings more than a decade of experience in association leadership, with a strong focus on advancing mission-driven organizations. Her professional path has been shaped by a passion for equitable access to trusted, values-based services and community impact.

Rachael’s expertise spans strategic leadership, digital transformation, record-breaking member engagement, and cultivating strong professional communities. She is a passionate advocate for transparent, fiduciary financial advice and believes that everyone deserves access to quality financial planning.

Throughout her career, Rachael has been recognized for her leadership and service. She earned her Certified Association Executive (CAE) credential in 2018 and was honored with the Women of Chiropractic Award by the North Carolina Chiropractic Association in 2016, the Distinguished Service Award from the Association Executives of North Carolina in 2019, and the Chiropractic Honor Roll Award in 2023.

Outside of work, Rachael is an avid traveler and food enthusiast. She met her husband while they were both studying abroad in Australia, and together they’re always in search of their next adventure.

Jamie Breeden, CFP®

Director of Member Services
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Jamie Breeden, CFP®, specializes in helping Garrett members realize maximum value from the Network. As Director of Member Services, she is “information central” and serves as the primary contact person for members. She is also involved in essential operations, coordinates the annual retreat, helps develop training materials, and monitors and streamlines the discussions and documents on Garrett’s members-only Knowledge Bank.

Jamie joined the Network as a student volunteer at its 2001 “Pathways to Success” Annual Retreat. She then continued on as a virtual staff member while finishing her financial planning course work in Manhattan, Kansas. As her member services role evolved, she eventually joined Garrett full-time and earned the CFP® certification.

She holds a Bachelor of Science degree in Personal Financial Planning with a minor in Spanish from Kansas State University.

Jamie enjoys helping her daughters with 4-H and school activities, church involvements and helping Ty run the family ranch.

Rachael Lord is the Managing Director of the Garrett Planning Network (GPN). She brings more than a decade of experience in association leadership, with a strong focus on advancing mission-driven organizations. Her professional path has been shaped by a passion for equitable access to trusted, values-based services and community impact.

Rachael’s expertise spans strategic leadership, digital transformation, record-breaking member engagement, and cultivating strong professional communities. She is a passionate advocate for transparent, fiduciary financial advice and believes that everyone deserves access to quality financial planning.

Throughout her career, Rachael has been recognized for her leadership and service. She earned her Certified Association Executive (CAE) credential in 2018 and was honored with the Women of Chiropractic Award by the North Carolina Chiropractic Association in 2016, the Distinguished Service Award from the Association Executives of North Carolina in 2019, and the Chiropractic Honor Roll Award in 2023.

Outside of work, Rachael is an avid traveler and food enthusiast. She met her husband while they were both studying abroad in Australia, and together they’re always in search of their next adventure.

Rachael Lord, CAE®

Managing Director
Envelope Linkedin
Jamie Breeden, CFP®, specializes in helping Garrett members realize maximum value from the Network. As Director of Member Services, she is “information central” and serves as the primary contact person for members. She is also involved in essential operations, coordinates the annual retreat, helps develop training materials, and monitors and streamlines the discussions and documents on Garrett’s members-only Knowledge Bank.

Jamie joined the Network as a student volunteer at its 2001 “Pathways to Success” Annual Retreat. She then continued on as a virtual staff member while finishing her financial planning course work in Manhattan, Kansas. As her member services role evolved, she eventually joined Garrett full-time and earned the CFP® certification.

She holds a Bachelor of Science degree in Personal Financial Planning with a minor in Spanish from Kansas State University.

Jamie enjoys helping her daughters with 4-H and school activities, church involvements and helping Ty run the family ranch.

Jamie Breeden, CFP®

Director of Member Services
Envelope Linkedin

GPN Alliance

A New Chapter for Financial Planning

The GPN Alliance was formed in 2022 to support and advance the Garrett Planning Network’s original vision of making competent, objective financial advice accessible to the public. In 2024, the GPN Alliance acquired the Garrett Planning Network from its founder Sheryl Garrett. The Alliance intends to build on Sheryl’s legacy, expanding network membership while increasing public awareness of the value and availability of as-needed, advice-only financial planning services.

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