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THE FIDUCIARY DIFFERENCE

 
 
Fee-Only Financial Advisors

Financial advisors are compensated in two fundamental ways:  Fee-Only and Commission.  Fee- Only – or commission-free – simply means that all of our compensation is received from the client, and that none of our compensation is received from product sales, commissions, or kickbacks from financial companies.
 
Commission-based advisors receive commissions for selling financial products to clients, and "fee-based" advisors can receive both commissions from product sales and fees from clients.
 
In some cases, our fees are less than the "hidden costs" incurred when buying financial products that pay commissions or have sales charges.  However, most consumers do not know where to look or how to find the total amount of commissions and fees they are actually paying.  Some are surprised to learn how much they have been charged.  We fully disclose our fees.  We never have a hidden agenda. And we never forget that we work for you.

Specifically, how are Fee-Only Advisors paid?
  • Our compensation comes only from our clients.

  • This compensation is agreed to in advance and can include a percentage of assets under management or project-based fees.

  • We receive no commissions or fees for selling financial products.

  • We receive no referral fees for referring our clients to other financial professionals.

Benefits of Working With a Fee-Only Advisor

We provide objective investment advice and unbiased recommendations; we do not sell any financial products.  We believe this removes potential conflicts of interest and allows us to focus on what is truly best for our clients.  We also act as a fiduciary for our clients, which means we have an obligation to put our clients' interests before our own.


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