Many people prefer and often times welcome the opportunity to pay for unconflicted advice.  Their reward is confidence in their financial decisions and the peace of mind that follows. 

A fee-only financial planner, therefore, will assist a client in defining their particular issue of concern and will estimate the amount of time required to respond.  Accurate and current information must be gathered and analyzed.  Recommendations follow, which the client is not obligated to adopt.    

The resulting recommendations represent the advisor's devotion to his or her client's needs.  When many financial products cost thousands of dollars a year, fee-only advice should be the only kind of advice upon which you base a decision.