Cynthia J. Petzold

Cynthia J. Petzold


CommonWealth Financial Planning, LLC

Fee Only Financial Planner Located in Roanoke, VA and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting

Visit Us

P.O. Box 21164
Roanoke, VA 24018

1125 South Jefferson St.
Roanoke, VA

Cynthia Petzold is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?

Cynthia J. Petzold founded CommonWealth Financial Planning, LLC, located in Roanoke, Virginia, to serve people seeking help with their personal financial planning. She saw a need for the kind of affordable, objective, well-explained financial advice that is frequently sought but often difficult to find.
Insurance agents and stockbrokers may call themselves financial advisors, but their livelihoods (and advice) most often depend on commissions on the products they sell to clients. Wealth managers typically specialize in investments only, and are compensated based on a percentage of the total clients’ assets they manage. Financial planners who work only with “high net worth” individuals do not address the needs of mainstream America. CommonWealth Financial Planning, LLC is different, committed to helping clients identify and achieve their financial goals with an hourly fee structure that is free of commissions and other conflicts of interest.

Well-qualified to assist clients in their quest for financial security, Cynthia has provided fee-only financial planning advice since 1998. She holds a Masters degree in Business Administration with ten years industry experience in marketing and finance. As a CERTIFIED FINANCIAL PLANNER™ professional, Cynthia maintains the high level of competency, ethics and professionalism that the CFP Board’s stringent education, examination, experience, and ethics standards require. She is a member of the Garrett Planning Network, an international affiliation of fee-only financial planners dedicated to serving people from all walks of life, as well as a member of the National Association of Personal Financial Advisors (NAPFA), a professional association of fee-only financial advisors committed to working in the best interests of their clients. As a Registered Investment Adviser in the Commonwealth of Virginia, Cynthia takes very seriously her fiduciary duty to put her clients’ needs before her own. Her Insurance Consultant’s license allows her to objectively evaluate health and life insurance options for her clients. Cynthia provides straightforward and thoroughly researched advice for a reasonable cost. With CommonWealth Financial Planning, there are no minimum balance requirements, no long-term contracts to sign, no commissions and no conflicts of interest. Instead, Cynthia offers her professional guidance and assistance on an hourly, as-needed basis.

Cynthia has lived in Roanoke since 1988 with her husband, Lowell. They have two grown children, Meredith and Nicholas. After hours, Cynthia is a professional cellist. She also enjoys travel, bicycling and other outdoor recreation in beautiful southwest Virginia.

If you are ready to take control of your financial life, please contact Cynthia to schedule a complimentary Get Acquainted meeting.