AFP's philosophy is based on creating an environment that promotes the open and honest exchange, between client and advisor, of ideas, beliefs, opinions and concerns that affect the financial planning process.

Commissions generated through the sale of financial products do not compensate a "fee-only" planner. Instead, a flat fee or percentage of assets managed compensates a "fee-only" planner. This approach to financial planning is predicated on providing unbiased advice that is free from any and all conflicts of interest.

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Most financial planners, stockbrokers and investment advisors are compensated when the client purchases a particular financial product that the advisor recommends. The dilemma for the client is determining whether the product is being recommended in order to serve the client's best interest or the advisor's best interest.

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Consequently, it may be wise to follow the advice of a professional that does not profit from the investments that they recommend.

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