If consumers could nominate a guardian angel, surely Steven P. Kanaly would be in the running. As chairman of the National Association of Personal Financial Advisors, a select group of fee-only planners, Kanaly is a purist whose professional standards are so stellar that even he admits, "Sometimes, I'm not sure we're not more of a religion." Kanaly, 48, is the leading voice of the fee-only movement, which is emerging as a powerful player in the independent advice channel. NAPFA's 750 members ...