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Choosing a fee-only financial advisor is beneficial because it significantly minimizes conflicts of interest and ensures you receive unbiased advice. A fee-only advisor is compensated exclusively by the client through fees—such as an hourly rate, a flat fee for a project, or a percentage of assets under management. This structure means their income is directly tied to the
service they provide to you, not the sale of specific financial products. Furthermore, fee-only advisors are often held to the fiduciary standard, a legal and ethical obligation that requires them to act in your financial interest at all times, placing your well-being above their own potential earnings.

In contrast, a commission-based advisor earns income from commissions generated by selling financial products like mutual funds, annuities, or insurance policies. This compensation model
creates an inherent conflict of interest, as the advisor may be incentivized to recommend a
product that offers them a higher commission, even if a different, lower-commission product is a more optimal or cost-effective choice for your financial goals. While commission-based advisors
are generally held to a less stringent “suitability” standard—meaning the product must only be suitable for your needs—a fee-only advisor’s compensation structure and fiduciary duty provide
greater transparency and confidence that every recommendation is made with your long-term financial success as the singular priority