Lynn Evans


Women of Substance, LLC

Financial Advisor

Lynn Evans


Women of Substance, LLC

Financial Advisor

My goal is to help Baby Boomer women achieve a life of financial ease and literacy. - Lynn Evans, CFP®

(570) 586-1064

Fee-Only Financial Advisor Serving the Entire Northeast US

Lynn Evans is a Clarks Summit, PA fee-only financial planner. Northeastern Financial Consultants, Inc. provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Lynn Evans is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Lynn S. Evans, CFP®, has been involved in personal financial planning since 1979.  After receiving her bachelor’s degree from Cedar Crest College, she continued her career-related education, having been the first person in Northeastern Pennsylvania to earn the designation of Certified Financial Planner (CFP)™ in 1984.  Lynn maintains memberships in the National Association of Professional Financial Adviors (NAFPA), the Financial Planning Association (FPA) and is the former President, chapter founder, and current member of the Northeast PA chapter of the National Association of Women Business Owners (NAWBO).  She is the former President and CEO of Northeastern Financial Consultants, Inc. in Clarks Summit, Pennsylvania.  She is currently the owner and managing director of Women of Substance, LLC, a firm dedicated to creating a better sense of financial literacy and ease around money for Baby Boomer women.
As an experienced financial consultant, Lynn demonstrates a seasoned understanding in meeting the needs of pre-retirees and retirees.  She offers fee-only comprehensive financial planning including investment management.

Lynn strives to make trust and communication the foundation of her business.  She takes a holistic approach to the planning process to include all aspects of a client’s personal and financial life.  Lynn’s uncompromising ethics, attentive service and commitment to a client’s well-being, have built her a solid base of satisfied clientele.  Known for her qualities of outstanding leadership, empathy and ability to communicate, Lynn is an accomplished speaker and has delivered numerous presentations to professional groups and corporate symposiums.

Active within her community, Lynn is a founder and board member of the Women’s Resource Center, Inc. and is a former volunteer with United Way in Scranton, Pennsylvania.  She resides in Northeastern Pennsylvania with her husband, Patrick A. di Napoli.


Lynn Evans is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning

Northeastern Financial Consultants a fee-only financial planning firm committed to assisting client to reach their financial goals. Fee-only planners, like us, are compensated solely by fees paid by their clients and do not accept commissions or compensation from any other source. As fee-only planners, we believe there is a significant conflict of interest if an advisor stands to gain financially from the purchase of any investment or insurance product he or she recommends to the client.

What is it?

Fee-only investment management is the newest and most attractive way to pay for professional money management and is the type of arrangement recommended by many leading financial writers and experts.

 Rather than paying sales commissions for brokers to sell you products you pay instead a reasonable annual fee, based on your account value. The fee-only advisor does not charge commissions. He/she is interested in growing your account and providing long-term service.

Why is it better?

Northeastern Financial Consultants Inc.charges a reasonable, quarterly management fee based on the value of your account.

The main difference between a Stockbroker and us is that they make a living by charging their clients commissions. Therefore the more they sell the more money they make.

Stockbrokers often charge 1% - 2% per trade on stocks, and as much as 6% on mutual funds. Stockbrokers may also have hidden charges such as 12b-1 fees or surrender fees on mutual funds, surrender fees and bloated internal expenses on annuities, and heavy markups on products like unit trusts or bonds.

On the other hand, as a fee-only advisor, our compensation is a flat percentage of your account value. We do not earn any money from commissions, trailers, or markups. We earn money only if your account grows or if we gain new clients.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning
  • Baby Boomer women

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors
  • Recenly Widowed and Divorced

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Lynn Evans is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Lynn Evans is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Financial Planning Association
    Lynn Evans is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Lynn Evans

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Office Locations:

  • 3 Abington Executive Park
    Suite 1
    Clarks Summit, PA 18411-2269

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