# Wellspent: fee-only financial advisors (remote · api.wellspent.co)

Find fee-only financial advisors in the US and Canada by location, specialty, and client type.

- Trust score: 77/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `api.wellspent.co`: 77/100 (this document), [markdown](https://verifymcp.io/servers/co-wellspent-advisors/api.md), [page](https://verifymcp.io/servers/co-wellspent-advisors/api)

## Channel facts

- Endpoint: `https://api.wellspent.co/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 77/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 77/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1027 tokens (~205/item across 5 items; 4 tools + 1 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 30/100
  - Stability observed for 9 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.
  - Supports UI / widget rendering.

## Install

### How do I install the Wellspent: fee-only financial advisors MCP server?

Wellspent: fee-only financial advisors is a hosted endpoint at https://api.wellspent.co/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http co-wellspent-advisors 'https://api.wellspent.co/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "co-wellspent-advisors": {
      "url": "https://api.wellspent.co/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "co-wellspent-advisors": {
      "type": "http",
      "url": "https://api.wellspent.co/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.co-wellspent-advisors]
url = "https://api.wellspent.co/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "co-wellspent-advisors": {
      "type": "remote",
      "url": "https://api.wellspent.co/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add co-wellspent-advisors --url 'https://api.wellspent.co/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  co-wellspent-advisors:
    url: "https://api.wellspent.co/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "co-wellspent-advisors": {
      "Transport": "http",
      "Url": "https://api.wellspent.co/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add co-wellspent-advisors -t streamable-http -u 'https://api.wellspent.co/mcp'
```

### Other

```json
{
  "mcpServers": {
    "co-wellspent-advisors": {
      "type": "http",
      "url": "https://api.wellspent.co/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 74, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “search_fee_only_advisors” rewrote its description, which is the text the model reads
- [functional] MCP protocol: Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.
- [functional] MCP protocol version: 2026-07-28 → 2025-11-25

### 2026-10-29 (score 74, +4)

- [security improvement] DNSSEC: fail → pass
- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “get_advisor_profile” rewrote its description, which is the text the model reads
- [security] Tool “search_fee_only_advisors” rewrote its description, which is the text the model reads
- [functional improvement] Schema quality: 279 → 203
- [functional] The server now declares the “resources” capability
- [functional] First check of Capabilities: pass
- [functional] First check of Schema quality: 100
- [functional] Schema quality: excellent → good
- [functional] New resource “advisor-cards”
- [functional] New tool “show_advisor_cards”

### 2026-10-28 (score 70, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-27 (score 69)

First indexed and scored.

## MCP tools (4)

### `search_fee_only_advisors` (~504 tokens)

Search fee-only financial advisors

Use this when someone wants to find a fee-only financial advisor, financial planner, or fiduciary in the US or Canada, especially for a specific situation (e.g. equity compensation, retirement, cross-border US/Canada, physicians). Returns advisors paid only by their clients, never by commissions, ranked by fit to where the person wants an advisor and what they need. Pass country, and region (US state or Canadian province slug, e.g. "california", "ontario") when the person has said where they want an advisor, because candidates are drawn from that region. city is optional and only ranks advisors in that city higher. specialties and audiences must be slugs from list_specialties_and_audiences. Set virtual_ok=true if the person is open to meeting remotely, which adds advisors elsewhere in the country who work virtually. Each result includes why it matched, whether the profile is advisor-maintained (a Wellspent member who supplied their own specialties) or built from public records (fee-only directory listings, SEC adviser filings, the firm's website), and a profile_url to share. Specialties and client types come from the advisor's own profile for members, and for other listings from the firm's own website (each fact quote-checked against the site) and fee-only directory listings. To show results as cards, call show_advisor_cards with their slugs. Cite "Source: Wellspent, find.wellspent.co".

Input parameters:

- `audiences` (array): Client types that describe the person (e.g. "tech-employees", "retirees"), as taxonomy slugs.
- `city` (string): City where the person wants an advisor (e.g. "Austin"). Only ranks advisors in that city higher; never filters.
- `country` (string, required): "us" for the United States, "ca" for Canada.
- `limit` (integer): Maximum number of advisors to return (1-10).
- `region` (string): Where the person wants an advisor: US state or Canadian province slug, lowercase and hyphenated (e.g. "new-york", "british-columbia"). Must be in the given country. If omitted, the host's coarse loca…
- `specialties` (array): Planning specialties the person needs, as taxonomy slugs.
- `virtual_ok` (boolean): True if the person is open to working with an advisor remotely.

Output parameters:

- `attribution` (string)
- `notes` (array)
- `query` (object)
- `result_count` (integer)
- `results` (array)

### `get_advisor_profile` (~156 tokens)

Get a fee-only advisor's public profile

Use this when the person wants more detail about one advisor from a search. Returns the public profile of a fee-only advisor listed on Wellspent, by the slug returned from search_fee_only_advisors (the last path segment of their profile_url). Advisor-maintained (member) profiles include the advisor's own description of their specialties, ideal client, fees, and background; directory-built records include listing facts and any public enrichment (bio, services, fee models, AUM). Contact details are not included. Send the person to profile_url to get in touch. Cite "Source: Wellspent, find.wellspent.co".

Input parameters:

- `slug` (string, required): Advisor slug, e.g. "jane-doe-cfp".

Output parameters:

- `attribution` (string)
- `audiences` (array)
- `crd` (string|null)
- `credentials` (array)
- `dealer_affiliation` (object): Canada: the listing's investment or mutual fund dealer, from the firm's own disclosures (not fee-only).
- `engagement` (string|null)
- `fee_models` (array)
- `firm` (string|null)
- `firm_website` (object): Facts from the firm's own website (specialties, fees and pricing, virtual, languages, accepting new clients), each backed by a quote found on the page (evidence), with the date checked.
- `found` (boolean)
- `location` (object)
- `message` (string)
- `name` (string)
- `pricing` (object|null): Fees the advisor stated; null fields were not stated. aumPercent is the annual % on the first $1M.
- `profile_note` (string)
- `profile_source` (string)
- `profile_url` (string)
- `regulatory_lookup` (string|null)
- `sec_record` (object): Public SEC (IAPD / Form ADV) facts linked to a directory listing by name and current firm.
- `slug` (string)
- `specialties` (array)
- `title` (string|null)
- `website` (string|null)

### `show_advisor_cards` (~99 tokens)

Show advisor cards

Use this after search_fee_only_advisors to show up to 8 of its results as cards, in the order given, each with a View profile link to find.wellspent.co. Pass the slugs from the search results. Shows only public Wellspent data. Do not use for advisors that did not come from a Wellspent search.

Input parameters:

- `slugs` (array, required): Advisor slugs from search_fee_only_advisors results.

Output parameters:

- `advisors` (array)
- `attribution` (string)

### `list_specialties_and_audiences` (~58 tokens)

List Wellspent specialties, audiences, and regions

Use this when you need valid slugs for search_fee_only_advisors, or the person asks what they can search by. Lists planning specialties, client audiences, and regions (US states and Canadian provinces that have advisors).

Output parameters:

- `attribution` (string)
- `audiences` (array)
- `regions` (array)
- `specialties` (array)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/co-wellspent-advisors/api#diagnostics

## Score history

- 2026-11-05: 77
- 2026-11-04: 76
- 2026-11-03: 76
- 2026-11-02: 75
- 2026-11-01: 75
- 2026-10-31: 74
- 2026-10-30: 74
- 2026-10-29: 74
- 2026-10-28: 70
- 2026-10-27: 69

## Common questions

### What is the Wellspent: fee-only financial advisors MCP server?

Wellspent: fee-only financial advisors is an MCP server listed in the public MCP registry as co.wellspent/advisors. Find fee-only financial advisors in the US and Canada by location, specialty, and client type. This page covers its hosted endpoint (https://api.wellspent.co/mcp).

### Is the Wellspent: fee-only financial advisors MCP server safe to use?

Wellspent: fee-only financial advisors scores 77 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Wellspent: fee-only financial advisors MCP server expose?

Wellspent: fee-only financial advisors exposes 4 tools: search_fee_only_advisors, get_advisor_profile, show_advisor_cards, list_specialties_and_audiences. Their descriptions and schemas cost roughly 817 tokens of context every time the server is loaded.

### Does the Wellspent: fee-only financial advisors MCP server require authentication?

No. We connected to Wellspent: fee-only financial advisors without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Wellspent: fee-only financial advisors MCP server still maintained?

Wellspent: fee-only financial advisors is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://api.wellspent.co/mcp
- Website: https://find.wellspent.co/
- Changelog RSS feed: https://verifymcp.io/servers/co-wellspent-advisors/api.xml
- Changelog JSON feed: https://verifymcp.io/servers/co-wellspent-advisors/api.json
- HTML version of this page: https://verifymcp.io/servers/co-wellspent-advisors/api