Neal Van Zutphen
M.S., CFP®, FBS®, CRPC®
Intrinsic Wealth Counsel
President, Chief Compliance Officer, Financial Life Planner
Neal Van Zutphen
M.S., CFP®, FBS®, CRPC®
Intrinsic Wealth Counsel
President, Chief Compliance Officer, Financial Life Planner
As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Neal Van Zutphen, M.S., CFP®, FBS®, CRPC®
Fee-Only Financial Planner Serving Clients Throughout the Country and the Phoenix Metro Area for over 30 years

Neal Van Zutphen is a Tempe, AZ fee-only financial planner. Intrinsic Wealth Counsel provides comprehensive financial life planning and wealth management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Neal Van Zutphen is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Neal Van Zutphen is a CERTIFIED FINANCIAL PLANNER™ practitioner, as well as a Certified Financial Behavior Specialist™ and a Chartered Retirement Planning Counselor. He began his financial services career in 1983 and is the majority owner and President of Intrinsic Wealth Counsel, Inc.
Memberships and Associations:
- Financial Planning Association (FPA)
- National Association of Personal Financial Advisors (NAPFA)
- Financial Therapy Association (FTA)
- Associate Member of the American Psychological Association (APA)
Neal is past President and Chairman of the Financial Planning Association of Greater Phoenix. In 2010, the FPA of Greater Phoenix Board of Directors nominated Neal for the Heart of Financial Planning Award. His research was published in the Journal of Financial Planning and he has spoken at national financial planning conferences. He holds a Master’s of Science in personal financial planning, and a certificate in financial therapy.
Neal is happily married, has three children, five grandchildren and enjoys hiking, golfing, reading and research.
Neal Van Zutphen is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a 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.
Serving clients throughout the country and the Phoenix metro area for over 30 years, we are an independent, fee-only financial planning and investment advisory firm.
“Intrinsic Wealth Counsel” speaks clearly to what we aspire. We manage and invest money based on the Intrinsic value of companies. When it comes to life planning, Wealth is far more than money. We believe that intrinsic motivations are far more powerful a force for life goal achievement than extrinsic motivations. We also believe there are few, if any, who enjoy being “managed”— however, most of us recognize the need and benefits of seeking Counsel from a trusted advisor or friend. We aspire to be both.
We believe that the fundamental purpose of personal life planning is to help you achieve your ideal selves. We want for you:
- To experience passion and vision in your life
- To feel a sense of safety and peace of mind.
- To recognize that it’s not about the money, it is about what you want to experience and your life goals. . It’s about your family, friends, loved ones and your dreams that may or may not cost money.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Neal Van Zutphen, Jr. is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Neal Van Zutphen, Jr. 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.
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Neal Van Zutphen, Jr. 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.
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Neal Van Zutphen is a member of The Financial Therapy Association (FTA)
The Financial Therapy Association (FTA) is an organization comprised of professionals dedicated to the integration of cognitive, emotional, behavioral, relational, and financial aspects of well-being.
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Neal Van Zutphen is a Chartered Retirement Planning Counselor℠ (Learn More)
The Chartered Retirement Planning Counselor℠ or CRPC® designation is a premier retirement planning credential. The CRPC® program covers all aspects of the retirement process in a single comprehensive program with no product or advising biases.
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Neal Van Zutphen is a Certified Financial Behavior Specialst®(FBS®) from the Financial Psychology Institute®
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Neal Van Zutphen is Quoted in The Washington Post: "How quickly should new graduates start saving for retirement?"
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Neal Van Zutphen is Quoted by Reuters: "Depression risk could derail your retirement portfolio"
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Neal Van Zutphen is Quoted on Kiplinger: "7 Retirement Tips for Generation X"
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Neal Van Zutphen is Quoted in MarketWatch: "It’s never too late to save for retirement — but you’ll regret it if you wait too long"
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Neal Van Zutphen is Quoted in the New York Times: "The Myth of Steady Retirement Spending, and Why Reality May Cost Less"
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Neal Van Zutphen is Quoted on the APA's Monitor: "Eight ways to take charge of your finances"
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Neal Van Zutphen is Quoted on Yahoo Finance: "10 Money Steps to Take Before Your 70th Birthday"
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Neal Van Zutphen is Quoted in Forbes: "5 Ways to Keep Your Financial New Year's Resolutions"
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Neal Van Zutphen is Quoted in the Phoenix Business Journal: "Today's financial planners becoming 'life coaches' for clients"
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Neal Van Zutphen Contributes to the CFP's Financial Topics: "MORE THAN A WILL: ESTATE-PLANNING MUST DO’S"
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Neal Van Zutphen is Quoted in the Wall Street Journal: "Grandparents and Gift-Giving: How to Set Boundaries With Children"
Contact Neal Van Zutphen
Office Locations:
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1255 W Rio Salado Pkwy
Suite 115
Tempe, AZ 85281