Dogwood Financial Planning, based in Memphis, Tennessee, is a fee-only advisory firm offering hourly, as-needed financial planning services without requiring minimum account sizes or net worth thresholds. Led by Certified Financial Planner™ professional Celia Brugge, the firm specializes in retirement planning, investment advice, tax strategies, and estate planning, catering primarily to middle-class clients seeking unbiased financial guidance. Dogwood Financial Planning charges a flat hourly rate of $300, billable in six-minute increments, and provides personalized financial plans tailored to individual needs. As a member of the Garrett Planning Network and NAPFA, the firm emphasizes transparency and client-centric service, ensuring that clients receive professional advice without any sales pitches or third-party commissions. Their approach empowers clients to take control of their financial futures with confidence.