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This structure ensures their compensation grows with your investment success. For a $200,000 portfolio, this could translate to annual fees between $1,000 and $3,000. ",[920],{"type":129,"attrs":921},{"color":12},{"type":18,"content":923},[924],{"text":925,"type":22,"marks":926},"Flat fees can be hourly, ranging from $100 to $400 per hour, or annual retainers, typically falling between $6,000 and $10,000 per year. ",[927],{"type":129,"attrs":928},{"color":12},{"type":18,"content":930},[931,936,945],{"text":932,"type":22,"marks":933},"Learn more about financial advisors fees ",[934],{"type":129,"attrs":935},{"color":12},{"text":937,"type":22,"marks":938},"here",[939,942,944],{"type":31,"attrs":940},{"href":941,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://www.unbiased.com/discover/financial-advice/how-much-should-financial-advice-cost",{"type":129,"attrs":943},{"color":12},{"type":808},{"text":946,"type":22,"marks":947},".  ",[948],{"type":129,"attrs":949},{"color":12},{"type":823,"attrs":951,"content":952},{"level":825},[953,958],{"text":954,"type":22,"marks":955},"What is a financial planner, and what do they do?",[956],{"type":129,"attrs":957},{"color":12},{"text":833,"type":22,"marks":959},[960],{"type":129,"attrs":961},{"color":837},{"type":18,"content":963},[964],{"text":965,"type":22,"marks":966},"A financial planner is an expert who takes a holistic approach to managing your finances, creating a comprehensive plan to help you achieve your long-term financial goals.  ",[967],{"type":129,"attrs":968},{"color":12},{"type":18,"content":970},[971,976,985],{"text":972,"type":22,"marks":973},"A planner goes beyond simple investment advice and considers various aspects of your financial life, including budgeting, saving, ",[974],{"type":129,"attrs":975},{"color":12},{"text":977,"type":22,"marks":978},"investing",[979,982,984],{"type":31,"attrs":980},{"href":981,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://www.unbiased.com/discover/investing/",{"type":129,"attrs":983},{"color":12},{"type":808},{"text":986,"type":22,"marks":987},", retirement planning, insurance, tax planning, and estate planning.  ",[988],{"type":129,"attrs":989},{"color":12},{"type":18,"content":991},[992],{"text":993,"type":22,"marks":994},"They then create a personalized financial strategy tailored to your individual needs and circumstances. ",[995],{"type":129,"attrs":996},{"color":12},{"type":823,"attrs":998,"content":999},{"level":825},[1000,1005],{"text":1001,"type":22,"marks":1002},"How much does a financial planner cost?",[1003],{"type":129,"attrs":1004},{"color":12},{"text":833,"type":22,"marks":1006},[1007],{"type":129,"attrs":1008},{"color":837},{"type":18,"content":1010},[1011],{"text":1012,"type":22,"marks":1013},"Factors such as experience, qualifications, and the breadth of services needed influence the cost of engaging a financial planner.  ",[1014],{"type":129,"attrs":1015},{"color":12},{"type":18,"content":1017},[1018],{"text":1019,"type":22,"marks":1020},"You will generally come across the following fee structures: hourly fees, flat fees, retainer fees, and AUM. ",[1021],{"type":129,"attrs":1022},{"color":12},{"type":18,"content":1024},[1025,1030,1039],{"text":1026,"type":22,"marks":1027},"Financial planner costs may be between ",[1028],{"type":129,"attrs":1029},{"color":12},{"text":1031,"type":22,"marks":1032},"$150 to $300 per hour",[1033,1036,1038],{"type":31,"attrs":1034},{"href":1035,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://smartasset.com/financial-advisor/financial-planner-fees",{"type":129,"attrs":1037},{"color":12},{"type":808},{"text":1040,"type":22,"marks":1041}," for specific consultations or project-based work. For creating a comprehensive financial plan, a flat fee could range from $1,000 to $3,000 or even higher. ",[1042],{"type":129,"attrs":1043},{"color":12},{"type":18,"content":1045},[1046],{"text":1047,"type":22,"marks":1048},"Ongoing financial planning and management services often come with a monthly or quarterly retainer, typically between $200 and $500 per month. ",[1049],{"type":129,"attrs":1050},{"color":12},{"type":18,"content":1052},[1053],{"text":1054,"type":22,"marks":1055},"While less prevalent for comprehensive financial planning, some planners may adopt an AUM fee structure, charging a percentage, typically ranging from 0.25% to 1% of the assets they manage. ",[1056],{"type":129,"attrs":1057},{"color":12},{"type":823,"attrs":1059,"content":1060},{"level":825},[1061,1066],{"text":1062,"type":22,"marks":1063},"Financial planner vs. financial advisor: what are the differences?",[1064],{"type":129,"attrs":1065},{"color":12},{"text":833,"type":22,"marks":1067},[1068],{"type":129,"attrs":1069},{"color":837},{"type":18,"content":1071},[1072],{"text":1073,"type":22,"marks":1074},"Although financial planners and advisors both aim to help you achieve financial success, their approaches differ.  ",[1075],{"type":129,"attrs":1076},{"color":12},{"type":18,"content":1078},[1079],{"text":1080,"type":22,"marks":1081},"When comparing a financial planner and a financial advisor, advisors offer specific financial services. In contrast, planners offer more comprehensive services, crafting a more comprehensive financial plan. ",[1082],{"type":129,"attrs":1083},{"color":12},{"type":18,"content":1085},[1086],{"text":1087,"type":22,"marks":1088},"Here is a more detailed breakdown of some of the key differences between the two: ",[1089],{"type":129,"attrs":1090},{"color":12},{"type":823,"attrs":1092,"content":1094},{"level":1093},3,[1095],{"text":1096,"type":22,"marks":1097},"Services offered ",[1098],{"type":129,"attrs":1099},{"color":12},{"type":18,"content":1101},[1102],{"text":1103,"type":22,"marks":1104},"Choosing a financial advisor or a financial planner will require understanding their services. ",[1105],{"type":129,"attrs":1106},{"color":12},{"type":18,"content":1108},[1109],{"text":1110,"type":22,"marks":1111},"Financial advisors specialize in specific financial areas, offering services like investment management, insurance selection, and tax strategies. They focus on assisting with specific financial products or solutions. ",[1112],{"type":129,"attrs":1113},{"color":12},{"type":18,"content":1115},[1116,1121,1130],{"text":1117,"type":22,"marks":1118},"Financial planners adopt a broader approach, including budgeting, saving, investing, retirement planning, insurance, tax, and estate planning. They create a personalized financial roadmap and guide you toward your ",[1119],{"type":129,"attrs":1120},{"color":12},{"text":1122,"type":22,"marks":1123},"financial goals",[1124,1127,1129],{"type":31,"attrs":1125},{"href":1126,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://www.unbiased.com/discover/banking/financial-goals",{"type":129,"attrs":1128},{"color":12},{"type":808},{"text":1131,"type":22,"marks":1132}," through informed decision-making. ",[1133],{"type":129,"attrs":1134},{"color":12},{"type":823,"attrs":1136,"content":1137},{"level":1093},[1138],{"text":1139,"type":22,"marks":1140},"Tasks & responsibilities ",[1141],{"type":129,"attrs":1142},{"color":12},{"type":18,"content":1144},[1145],{"text":1146,"type":22,"marks":1147},"A financial advisor's tasks revolve around managing client investments, analyzing market trends, researching suitable options, and adjusting portfolios to meet clients' financial goals. ",[1148],{"type":129,"attrs":1149},{"color":12},{"type":18,"content":1151},[1152],{"text":1153,"type":22,"marks":1154},"Financial planners focus on comprehensive financial plans. Their responsibilities include reviewing budgets, setting financial goals, developing savings plans, and assisting with major life events like retirement or home purchases.",[1155],{"type":129,"attrs":1156},{"color":12},{"type":823,"attrs":1158,"content":1159},{"level":825},[1160,1165],{"text":1161,"type":22,"marks":1162},"Do I need a financial planner or financial advisor?",[1163],{"type":129,"attrs":1164},{"color":12},{"text":833,"type":22,"marks":1166},[1167],{"type":129,"attrs":1168},{"color":837},{"type":18,"content":1170},[1171],{"text":1172,"type":22,"marks":1173},"Deciding between a financial advisor and a financial planner will depend on the following needs: ",[1174],{"type":129,"attrs":1175},{"color":12},{"type":18,"content":1177},[1178],{"text":1179,"type":22,"marks":1180},"You need a financial advisor if: ",[1181],{"type":129,"attrs":1182},{"color":12},{"type":767,"content":1184},[1185],{"type":770,"content":1186},[1187],{"type":18,"content":1188},[1189],{"text":1190,"type":22,"marks":1191},"You're looking for help with a specific investment strategy or decision. ",[1192],{"type":129,"attrs":1193},{"color":12},{"type":767,"content":1195},[1196],{"type":770,"content":1197},[1198],{"type":18,"content":1199},[1200],{"text":1201,"type":22,"marks":1202},"You want to create a diversified investment portfolio. ",[1203],{"type":129,"attrs":1204},{"color":12},{"type":767,"content":1206},[1207],{"type":770,"content":1208},[1209],{"type":18,"content":1210},[1211],{"text":1212,"type":22,"marks":1213},"You need help managing retirement accounts and other investments. ",[1214],{"type":129,"attrs":1215},{"color":12},{"type":767,"content":1217},[1218],{"type":770,"content":1219},[1220],{"type":18,"content":1221},[1222],{"text":1223,"type":22,"marks":1224},"You're interested in specific financial products, like insurance or annuities. ",[1225],{"type":129,"attrs":1226},{"color":12},{"type":18,"content":1228},[1229],{"text":1230,"type":22,"marks":1231},"You need a financial planner if: ",[1232],{"type":129,"attrs":1233},{"color":12},{"type":767,"content":1235},[1236],{"type":770,"content":1237},[1238],{"type":18,"content":1239},[1240],{"text":1241,"type":22,"marks":1242},"You want help developing a long-term financial plan to achieve major life goals. ",[1243],{"type":129,"attrs":1244},{"color":12},{"type":767,"content":1246},[1247],{"type":770,"content":1248},[1249],{"type":18,"content":1250},[1251],{"text":1252,"type":22,"marks":1253},"You're experiencing a significant life event like marriage, divorce, or the birth of a child. ",[1254],{"type":129,"attrs":1255},{"color":12},{"type":767,"content":1257},[1258],{"type":770,"content":1259},[1260],{"type":18,"content":1261},[1262],{"text":1263,"type":22,"marks":1264},"You're overwhelmed by your finances and need help building a solid financial foundation. ",[1265],{"type":129,"attrs":1266},{"color":12},{"type":767,"content":1268},[1269],{"type":770,"content":1270},[1271],{"type":18,"content":1272},[1273],{"text":1274,"type":22,"marks":1275},"You have complex financial needs, including tax planning or estate planning. ",[1276],{"type":129,"attrs":1277},{"color":12},{"type":823,"attrs":1279,"content":1280},{"level":825},[1281,1286],{"text":1282,"type":22,"marks":1283},"How to choose the best financial advisor or financial planner",[1284],{"type":129,"attrs":1285},{"color":12},{"text":833,"type":22,"marks":1287},[1288],{"type":129,"attrs":1289},{"color":837},{"type":18,"content":1291},[1292],{"text":1293,"type":22,"marks":1294},"To choose the best financial advisor or planner, you need to: ",[1295],{"type":129,"attrs":1296},{"color":12},{"type":1298,"attrs":1299,"content":1301},"ordered_list",{"order":1300},1,[1302,1317,1332,1347,1362],{"type":770,"content":1303},[1304],{"type":18,"content":1305},[1306,1312],{"text":1307,"type":22,"marks":1308},"Define your needs: ",[1309,1310],{"type":38},{"type":129,"attrs":1311},{"color":12},{"text":1313,"type":22,"marks":1314},"Clearly outline your financial goals and challenges. ",[1315],{"type":129,"attrs":1316},{"color":12},{"type":770,"content":1318},[1319],{"type":18,"content":1320},[1321,1327],{"text":1322,"type":22,"marks":1323},"Check credentials: ",[1324,1325],{"type":38},{"type":129,"attrs":1326},{"color":12},{"text":1328,"type":22,"marks":1329},"Verify qualifications and experience in handling situations similar to yours. ",[1330],{"type":129,"attrs":1331},{"color":12},{"type":770,"content":1333},[1334],{"type":18,"content":1335},[1336,1342],{"text":1337,"type":22,"marks":1338},"Understand fees:",[1339,1340],{"type":38},{"type":129,"attrs":1341},{"color":12},{"text":1343,"type":22,"marks":1344}," Ask about the fee structure upfront and be clear on how they're compensated. ",[1345],{"type":129,"attrs":1346},{"color":12},{"type":770,"content":1348},[1349],{"type":18,"content":1350},[1351,1357],{"text":1352,"type":22,"marks":1353},"Investment philosophy:",[1354,1355],{"type":38},{"type":129,"attrs":1356},{"color":12},{"text":1358,"type":22,"marks":1359}," Inquire about their investment approach. ",[1360],{"type":129,"attrs":1361},{"color":12},{"type":770,"content":1363},[1364],{"type":18,"content":1365},[1366,1372],{"text":1367,"type":22,"marks":1368},"Seek recommendations: ",[1369,1370],{"type":38},{"type":129,"attrs":1371},{"color":12},{"text":1373,"type":22,"marks":1374},"Ask for referrals and read online reviews to gauge their reputation. ",[1375],{"type":129,"attrs":1376},{"color":12},{"type":823,"attrs":1378,"content":1379},{"level":825},[1380,1385],{"text":1381,"type":22,"marks":1382},"Get expert financial advice",[1383],{"type":129,"attrs":1384},{"color":12},{"text":833,"type":22,"marks":1386},[1387],{"type":129,"attrs":1388},{"color":837},{"type":18,"content":1390},[1391],{"text":1392,"type":22,"marks":1393},"Understanding the distinctions between a financial planner and a financial advisor is vital in making informed decisions about your financial well-being.  ",[1394],{"type":129,"attrs":1395},{"color":12},{"type":18,"content":1397},[1398,1403,1410],{"text":1399,"type":22,"marks":1400},"If you’re wondering how to find a financial advisor, Unbiased will match you with a qualified ",[1401],{"type":129,"attrs":1402},{"color":12},{"text":801,"type":22,"marks":1404},[1405,1407,1409],{"type":31,"attrs":1406},{"href":805,"uuid":34,"anchor":34,"target":806,"linktype":36},{"type":129,"attrs":1408},{"color":12},{"type":808},{"text":1411,"type":22,"marks":1412}," suited to your needs. ",[1413],{"type":129,"attrs":1414},{"color":12},"article-rich-text",[1417],{"_uid":1418,"image":1419,"title":1421,"component":1442,"breadcrumbs":558},"9596ddad-bbf0-41db-83cb-5b786d94e3ff",{"alt":12,"name":12,"title":12,"filename":1420,"copyright":12,"fieldtype":813},"https://a.storyblok.com/f/185166/3399x2266/2ecd654a0e/financial-advisor-vs-financial-planner.webp",{"type":15,"content":1422},[1423],{"type":18,"content":1424},[1425,1433,1438],{"text":1426,"type":22,"marks":1427},"Financial planner vs. financial advisor",[1428,1431],{"type":25,"attrs":1429},{"class":1430},"primary-gradient",{"type":129,"attrs":1432},{"color":12},{"text":1434,"type":22,"marks":1435},": what’s the difference, and which should I choose?",[1436],{"type":129,"attrs":1437},{"color":12},{"text":833,"type":22,"marks":1439},[1440],{"type":129,"attrs":1441},{"color":131},"app-hero",{"name":1444,"created_at":1445,"published_at":1446,"updated_at":1447,"id":1448,"uuid":1449,"content":1450,"slug":1461,"full_slug":1462,"sort_by_date":34,"position":1463,"tag_list":1464,"is_startpage":543,"parent_id":1465,"meta_data":34,"group_id":1466,"first_published_at":1467,"release_id":34,"lang":730,"path":34,"alternates":1468,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Andrew Michael","2024-12-12T14:38:57.991Z","2025-01-28T11:53:05.120Z","2025-01-28T11:53:05.154Z",594845712,"51e5cc26-cf3f-44ed-aafe-a1a62ee99787",{"job":1451,"_uid":1452,"name":1444,"image":1453,"component":1457,"education":1458,"expertise":1459,"description":1460},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1454,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1455,"copyright":12,"fieldtype":813,"meta_data":1456,"is_external_url":543},19150475,"https://a.storyblok.com/f/185166/2316x3088/3d19422433/andrew-michael.jpg",{},"article-author","University of London, BSc (Hons) in Physics","Five journalism awards, including Investment Journalist of the Year (twice), Pensions Journalist of the Year (twice), and Venture Capital Journalist of the Year.\nFormer editor-in-chief of investment titles at Financial Times Magazines.\nSpecial recognition trophy, Headlinemoney Awards 2023.\n","Andrew Michael is a multiple award-winning financial journalist and editor whose work has appeared in numerous newspapers, magazines, and online platforms, including The Times, Evening Standard Money, Financial Times, Shares, and Forbes Advisor. ","andrew-michael","authors/andrew-michael",-10,[],224651374,"e88416b7-efa8-4a91-8603-ea86e80e816e","2024-12-12T14:40:44.315Z",[],[1470,1481],{"_uid":1471,"list":1472,"cta_link":1473,"cta_text":698,"component":1474,"window_label":12,"window_title":1475},"bb8bcfdf-6fc0-4140-8554-b0418bc339db","Unbiased connects you to a financial expert who is suited to your financial situation.\nOver 10 million people have found trusted financial advice with Unbiased.","https://v2.unbiased.com/inquiry/financial-advisor/primary-areas?mf-type=regular","app-banner",{"type":15,"content":1476},[1477],{"type":18,"content":1478},[1479],{"text":1480,"type":22},"Connect with a financial professional",{"_uid":1482,"body":1483,"title":1496,"component":1497},"5866ad51-a4cc-49a3-93ad-43d844f18e51",[1484,1488,1492],{"_uid":1485,"href":1486,"text":1487,"component":542,"openInNewWindow":558},"6dee0233-2674-4b2b-b82a-0573165a442a","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisor",{"_uid":1489,"href":1490,"text":1491,"component":542,"openInNewWindow":558},"05b81eac-1456-4900-aaeb-8abab34b905f","https://www.unbiased.com/discover/investing/find-a-financial-advisor-company","Financial advisor companies",{"_uid":1493,"href":1494,"text":1495,"component":542,"openInNewWindow":558},"e73b533f-4212-451b-891c-e51f34f1ad15","https://www.unbiased.com/discover/banking/financial-planning-pyramid","Financial planning pyramid","Related articles","app-links-list",{"title":1499,"plugin":1500,"og_image":12,"og_title":12,"description":1501,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Financial advisor vs. financial planner: what's the difference?","seo_metatags","Explore the differences between a financial planner and a financial advisor. Learn which professional is best suited for your financial goals.","app-article",[],[],"Discover the key differences between financial advisors and planners and which one would best suit your specific needs. You can also match with a professional directly for free by answering a few simple questions below.  ",[],"financial-advisor-vs-financial-planner","discover/financial-advice/financial-advisor-vs-financial-planner",-3120,[],365590167,"3410ad34-9bea-4c6e-a9b3-b86dd00b3166","2023-12-22T14:59:23.433Z",[],{"left":727,"top":727,"width":1516,"height":1516,"rotate":727,"vFlip":543,"hFlip":543,"body":1517},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1519,1522,1523],{"title":1520,"exact":558,"href":1521},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1524,"disabled":558},"/discover/financial-advice/financial-advisor-vs-financial-planner",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1526},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777453859410]