@longtimelurker wrote:
I would choose a fee only (per hour) planner as, to me, that reduces conflict of interest and is easily controllable (if the planner wants to spend too long on something you don't feel warrants it, just cut the converstation short on that).
Like with all things, it's going to be YMMV. I've had a fee-based (management fees on investments) advisor who was more interested in pushing more services on me than answering my questions and a completely free advisor who goes above and beyond to find answers and schedule meetings with the right people when he wasn't the right guy. You are right that if someone gets one of the bad ones, they need to recognize they're not getting the value they want and request/find another advisor.
