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3 Reasons To Use A Fee-Only Financial Experts There are 3 types of financial advisors: the commission broker who sells a product for a commission, the fee-based advisor who provides investment management for a percentage of the money invested, and the fee only financial planner who provides a comprehensive financial plan for an hourly charge.
Here, we'll discuss five reasons why you might select a fee-only financial planner over the other types of financial consultants:
1. Fee-only means no bias. Among the major reasons people choose fee only financial planners over other advisors is the truth that they are not compensated based on the investments they suggest. Fee-only financial planners are just compensated by their clients, therefore there is no bias while making investment recommendations. They get paid the same whether they suggest an index fund or an annuity or a range of bonds and stocks.
2. Help with retirement planning, budgeting, taxes and much more. The majority of commission brokers and investment managers only provide investment suggestions, leaving you to struggle through planning for retirement on your own. Fee-only financial planners could assist you with all of your financial questions including are you saving enough for retirement, do you still need life insurance coverage, how can you minimize your taxes, and much more.
3. Only the suggestions you require, when you require it. With fee-based advisors, you pay an annual fee for them to manage your portfolio. With fee only financial planners, you only pay for advice when you require it. While most people like to check in with their financial planners once a year to ensure they're still on course to meet their objectives, it's completely up to you how much time you want to spend with your financial planner. You may meet with your financial planner three times a year or once every 3 months, it's your choice.
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