advice-only financial planning

https://wiki-zine.win/index.php/Building_a_Financial_Planning_Compliance_Program_That_Actually_Works

Advice-only financial planning means you pay a flat fee or hourly rate for expert guidance without the advisor selling you products. It's like having a coach who helps you map out savings, debt, and investments, but you handle the actual buying. This setup removes conflicts of interest, so the advice stays focused on what's best for your situation rather than pushing commissions.