William Starnes


Mallard Advisors, LLC

Financial Advisor

William Starnes


Mallard Advisors, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - William Starnes, CFP®, ChFC®, MST

Fee-Only financial planner located in Hockessin, DE, serving clients locally and across the country

William Starnes is a Hockessin, DE fee-only financial planner. Mallard Advisors, LLC 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, William Starnes is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
William "Bill" Starnes is our founder and senior advisor at the firm. Part of Bill's professional mission is "to engage clients in an enjoyable process of financial education and planning that provides extreme value and quantifiable results." Bill helps you understand the advice he offers, strives to save you money, and assists you with the big decisions created during life's inevitable transitions.
Bill lives in Unionville, Pennsylvania with his wife Lynda and three sons, Blake, David, and Stephen. Outside of the office, Bill is dedicated to spending quality time with his family with an emphasis on camping (usually with the Boy Scouts), skiing, golfing, and enjoying all things near the Brandywine (river). On his own time, Bill enjoys the exhilaration of mountain biking and is addicted to growth of all kinds (personal, professional, spiritual, and educational).
Holding a Bachelor of Science degree from Penn State University, Bill has also earned the designation of CERTIFIED FINANCIAL PLANNER™ Professional from the Certified Financial Planner Board of Standards. Bill is a graduate of Widener University with a Masters Degree in Taxation (MST), and has earned the professional designation of CHARTERED FINANCIAL CONSULTANT (ChFC) from The American College.
Bill is a member of the National Association of Personal Financial Planners (NAPFA), the National Association of Tax Practitioners (NATP), and the Alliance of Cambridge Advisors (ACA) -  a nationwide alliance of financial advisors committed to comprehensive financial planning on a fee-only basis.
Bill has been quoted by Jane Bryant Quinn in Newsweek magazine, and has also appeared in Kiplinger's Personal Finance, Bloomberg Wealth Manager, Forbes.com, The News Journal, and Morningstar Advisor.

William Starnes 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
Our firm is a financial planning and wealth management practice. We believe every client deserves to work with an advisor that exceeds the highest standards in the financial planning industry. How do we do this?  By only working in a way that is best for clients, such as:

1. Comprehensive Advice - We are comprehensive wealth managers. That is who we are and what we do. We are not just money managers, tax preparers, or retirement planners. We integrate all of the areas of your financial life, allowing you to see how each financial decision you make affects other areas of your finances. Comprehensive advice addresses:
  •     Financial Security     
  •     Investment Management
  •     Income Tax Preparation
  •     Retirement Planning
  •     Estate Planning
  •     Tax & Financial Planning
  •     Cash-Flow Management

2. The Highest Standards - First, we are Fee-Only advisors. This means we are only paid by our clients (and never receive compensation/commissions from any outside company), and are therefore able to recommend only those solutions that we believe help our clients. We believe that if an advisor is paid by someone other than their client, this creates a potentially large conflict of interest.

Second, we are "fiduciaries" to our clients. This means we are required to act in the best interest of our clients. We would not have it any other way. Always require your advisor to act in a fiduciary capacity at all times - and get this in writing.

3. Experienced & Credentialed - We have over 15 years experience providing comprehensive, personal, financial advice on a Fee-Only basis. This is quite different from someone who has many years of experience selling financial products. Bill has his Masters Degree in Taxation, and is a CERTIFIED FINANCIAL PLANNER™ professional.

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

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

  • National Association of Personal Financial Advisors (NAPFA)
    William Starnes 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)
    William Starnes 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.

  • Alliance of Comprehensive Planners
    William Starnes is a Member of the Alliance of Comprehensive Planners (ACP)

    Alliance of Comprehensive Planners (ACP) is the community of tax-focused financial planners that operate under the retainer model. Passionately dedicated to superb client service, ACP planners’ only source of income is client retainer fees – not commissions. With an ACP planner, you can be confident you’re getting experience, knowledge, research, and most importantly, advice that is tailored just for you.

Contact William Starnes

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Office Locations:

  • 7234 Lancaster Pike
    Suite 220A
    Hockessin, DE 19707

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