$ cat posts/the-case-for-advice-only-financial-planning-a-closer-look-at-fee-only-guidance
┌─ 2026-11-05 ──────────────────────
The Case for Advice-Only Financial Planning: A Closer Look at Fee-Only Guidance
Understanding the Shift in Financial Advice For a long time, the financial planning industry operated on a straightforward model: advisors earned commissions by selling products. You wanted a mutual fund or an insurance policy, and the advisor made money on the transaction. This created a built-in conflict of interest. The advisor had an incentive to push products that paid higher commissions, even if those products were not the best fit for the client. Over the past few d
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