April 22, 2013

What is the difference between a fee-based financial “expert” and a fee-only financial “expert?” Why should you care?

21 thoughts on “April 22, 2013”

  1. Thomas Graham says:

    Another way to describe fee-only would be no commission. The only way they can get a fee from you would be if you directly gave it to them. Fee-based would mean the fee is added into the original cost of hiring them. You never want to go to a fee-based adviser.

  2. Mike Finley says:

    Well done, Thomas. Fee-only is the only option that a financially educated person should make IF they choose to hire someone to help them with their finances. With that being said, fee-only does not equal quality or ethically. You still must identify the right person for the job and know how much he/she is going to charge you BEFORE you accept that person to guide you. There are good fee-only planners and bad fee-only planners. Stay skeptical if you feel the need to hire one of these “smart” people.

    Fee-based should be avoided at all cost. Their commissions provide a conflict of interest that should cause skepticism at least, and cynicism at worst. Just stay away from them, life will be easier.

    Of course, their is a third option which is the option I recommend to most people. YOU become your own financial advisor/planner/expert. You can do it. You are smart enough and you have the abilities if you are willing to educate yourself and take the action necessary to serve your needs today and long into the future. Start today by reading Personal Finance for Dummies by Eric Tyson. If you are ready to invest, consider The Little Book of Common Sense Investing by John Bogle. Both of these teachers will provide you a path towards financial happiness. A path that will serve you well for decades to come.

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