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",{"type":770,"content":777},[778],{"type":18,"content":779},[780],{"text":781,"type":22},"Advisors are paid through client fees, commissions, or salaries, depending on their services. ",{"type":770,"content":783},[784],{"type":18,"content":785},[786],{"text":787,"type":22},"Advisors and firms can also have a fee-only or a fee-based structure. ",{"type":770,"content":789},[790],{"type":18,"content":791},[792],{"text":793,"type":22},"You should always understand how your potential financial advisor is paid before choosing one. ",{"type":770,"content":795},[796],{"type":18,"content":797},[798,800,809],{"text":799,"type":22},"Unbiased can ",{"text":801,"type":22,"marks":802},"connect you with a financial advisor",[803,807],{"type":31,"attrs":804},{"href":805,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/","_blank",{"type":808},"underline",{"text":810,"type":22}," perfectly suited to meet your needs; your first consultation is free.  ","company-summary-rich-text",{"id":34,"alt":34,"name":12,"focus":34,"title":34,"source":34,"filename":12,"copyright":34,"fieldtype":813,"meta_data":814},"asset",{},"Key takeaways","company-summary-box","white",{"_uid":819,"data":820,"component":1284},"ac252e65-bef3-48b1-8dab-f40df56abc00",{"type":15,"content":821},[822,838,842,854,858,876,888,895,902,911,918,925,932,939,946,958,965,986,993,1005,1012,1019,1026,1038,1045,1052,1060,1067,1074,1091,1098,1105,1131,1151,1163,1170,1191,1198,1205,1212,1224,1231,1238,1250,1262],{"type":823,"attrs":824,"content":826},"heading",{"level":825},2,[827,832],{"text":828,"type":22,"marks":829},"Why do people use financial advisors?",[830],{"type":129,"attrs":831},{"color":12},{"text":833,"type":22,"marks":834}," ",[835],{"type":129,"attrs":836},{"color":837},"rgb(33, 35, 35)",{"type":18,"content":839},[840],{"text":841,"type":22},"A financial advisor uses their knowledge and experience to create bespoke financial plans to help clients achieve their financial goals.",{"type":18,"content":843},[844,846,852],{"text":845,"type":22},"In 2024, ",{"text":847,"type":22,"marks":848},"about a quarter (27%) of Americans",[849],{"type":31,"attrs":850},{"href":851,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://business.yougov.com/content/50180-27-americans-use-financial-advisors-60-prioritizing-trust-as-the-top-factor",{"text":853,"type":22}," used financial advisors and planners. Within this group, men (32%) were more likely than women (22%) to use an advisor. ",{"type":18,"content":855},[856],{"text":857,"type":22},"Advisors offer a range of services, such as financial planning and management, to help clients achieve their financial goals.",{"type":18,"content":859},[860,862,874],{"text":861,"type":22},"As might be expected, ",{"text":863,"type":22,"marks":864},"professional services",[865],{"type":31,"attrs":866},{"href":867,"uuid":868,"anchor":34,"target":35,"linktype":74,"story":869},"/discover/financial-advice/what-are-the-different-types-of-financial-advisor","9455568d-9aa4-4f5e-b756-e6f038b85848",{"name":870,"id":871,"uuid":868,"slug":872,"url":873,"full_slug":873,"_stopResolving":558},"What are the different types of financial advisor?",381724031,"what-are-the-different-types-of-financial-advisor","discover/financial-advice/what-are-the-different-types-of-financial-advisor",{"text":875,"type":22}," are not free, and the payment a financial advisor receives can vary depending on several factors.",{"type":823,"attrs":877,"content":878},{"level":825},[879,884],{"text":880,"type":22,"marks":881},"How does a financial advisor get paid?",[882],{"type":129,"attrs":883},{"color":12},{"text":833,"type":22,"marks":885},[886],{"type":129,"attrs":887},{"color":837},{"type":18,"content":889},[890],{"text":891,"type":22,"marks":892},"The fee structure for financial advisors depends on the advisor or the firm they work for. ",[893],{"type":129,"attrs":894},{"color":12},{"type":18,"content":896},[897],{"text":898,"type":22,"marks":899},"Let’s take a closer look: ",[900],{"type":129,"attrs":901},{"color":12},{"type":823,"attrs":903,"content":905},{"level":904},3,[906],{"text":907,"type":22,"marks":908},"Client fees ",[909],{"type":129,"attrs":910},{"color":12},{"type":18,"content":912},[913],{"text":914,"type":22,"marks":915},"Some financial advisors charge fees.  ",[916],{"type":129,"attrs":917},{"color":12},{"type":18,"content":919},[920],{"text":921,"type":22,"marks":922},"For example, an advisor might charge a management fee for investment management services. This fee is usually a percentage of the assets they manage for you.  ",[923],{"type":129,"attrs":924},{"color":12},{"type":18,"content":926},[927],{"text":928,"type":22,"marks":929},"Let’s say your advisor charges a 1.5% management fee. If they manage investments worth $1 million on your behalf, you will pay $15,000 for the year, which may be divided monthly or quarterly.  ",[930],{"type":129,"attrs":931},{"color":12},{"type":18,"content":933},[934],{"text":935,"type":22,"marks":936},"Fee-based financial advisors charge additional performance fees if their expertise results in your investments exceeding certain return benchmarks. Some advisors lower the percentage they charge for larger account balances.  ",[937],{"type":129,"attrs":938},{"color":12},{"type":18,"content":940},[941],{"text":942,"type":22,"marks":943},"Many advisors charge an hourly or flat fee for one-time consulting services, specific projects, or financial planning services. ",[944],{"type":129,"attrs":945},{"color":12},{"type":823,"attrs":947,"content":948},{"level":904},[949,954],{"text":950,"type":22,"marks":951},"Commissions",[952],{"type":129,"attrs":953},{"color":12},{"text":833,"type":22,"marks":955},[956],{"type":129,"attrs":957},{"color":131},{"type":18,"content":959},[960],{"text":961,"type":22,"marks":962},"Commissions are another common way in which financial advisors get paid.  ",[963],{"type":129,"attrs":964},{"color":12},{"type":18,"content":966},[967,972,981],{"text":968,"type":22,"marks":969},"Many financial advisors’ commission structures are based on recommending and selling annuities, ",[970],{"type":129,"attrs":971},{"color":12},{"text":973,"type":22,"marks":974},"mutual funds",[975,978,980],{"type":31,"attrs":976},{"href":977,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://www.unbiased.com/discover/investing/mutual-funds",{"type":129,"attrs":979},{"color":12},{"type":808},{"text":982,"type":22,"marks":983},", or other financial products.  ",[984],{"type":129,"attrs":985},{"color":12},{"type":18,"content":987},[988],{"text":989,"type":22,"marks":990},"For example, let’s say that your advisor receives a 3% commission fee if you invest $5,000 into a mutual fund they recommend. 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They do not charge fees or earn commissions.  ",[1017],{"type":129,"attrs":1018},{"color":12},{"type":18,"content":1020},[1021],{"text":1022,"type":22,"marks":1023},"Many firms offer incentives and bonuses to advisors who meet various milestones. For example, an advisor might receive a bonus for attracting a specific number of new clients in one year. ",[1024],{"type":129,"attrs":1025},{"color":12},{"type":823,"attrs":1027,"content":1028},{"level":825},[1029,1034],{"text":1030,"type":22,"marks":1031},"Fee-only vs. fee-based: what does this mean?",[1032],{"type":129,"attrs":1033},{"color":12},{"text":833,"type":22,"marks":1035},[1036],{"type":129,"attrs":1037},{"color":837},{"type":18,"content":1039},[1040],{"text":1041,"type":22,"marks":1042},"How financial advisors are paid at a firm is the deciding factor when it comes to whether the firm and its advisors are fee-only or fee-based.  ",[1043],{"type":129,"attrs":1044},{"color":12},{"type":18,"content":1046},[1047],{"text":1048,"type":22,"marks":1049},"Let’s learn more about these two different types of fee structures. ",[1050],{"type":129,"attrs":1051},{"color":12},{"type":823,"attrs":1053,"content":1054},{"level":904},[1055],{"text":1056,"type":22,"marks":1057},"Fee-only structure  ",[1058],{"type":129,"attrs":1059},{"color":12},{"type":18,"content":1061},[1062],{"text":1063,"type":22,"marks":1064},"With a fee-only structure, a financial advisor or firm does not charge commissions.  ",[1065],{"type":129,"attrs":1066},{"color":12},{"type":18,"content":1068},[1069],{"text":1070,"type":22,"marks":1071},"The client fees they charge for services they provide are their only source of income. These fees may include hourly or flat financial planning fees as well as percentage-based management fees. ",[1072],{"type":129,"attrs":1073},{"color":12},{"type":823,"attrs":1075,"content":1076},{"level":904},[1077,1082,1087],{"text":1078,"type":22,"marks":1079},"Fee-based structure",[1080],{"type":129,"attrs":1081},{"color":12},{"text":833,"type":22,"marks":1083},[1084,1085],{"type":38},{"type":129,"attrs":1086},{"color":12},{"text":833,"type":22,"marks":1088},[1089],{"type":129,"attrs":1090},{"color":12},{"type":18,"content":1092},[1093],{"text":1094,"type":22,"marks":1095},"Fee-based financial advisors and firms earn income from a combination of fees and commissions. In addition to charging financial planning and management fees, they also earn commissions through insurance or securities sales. ",[1096],{"type":129,"attrs":1097},{"color":12},{"type":18,"content":1099},[1100],{"text":1101,"type":22,"marks":1102},"It’s important to remember that commissions might be an incentive for your advisor to recommend certain products or transactions rather than others. This could be a potential conflict of interest, as the advice you receive should be based on your needs rather than how much commission your advisor could earn.  ",[1103],{"type":129,"attrs":1104},{"color":12},{"type":18,"content":1106},[1107,1112,1126],{"text":1108,"type":22,"marks":1109},"Some experts recommend using ",[1110],{"type":129,"attrs":1111},{"color":12},{"text":1113,"type":22,"marks":1114},"fee-only advisors",[1115,1124],{"type":31,"attrs":1116},{"href":1117,"uuid":1118,"anchor":34,"target":35,"linktype":74,"story":1119},"/discover/financial-advice/fee-only-financial-advisor","c0373f2b-bfb2-49a6-9cad-862892ba7195",{"name":1120,"id":1121,"uuid":1118,"slug":1122,"url":1123,"full_slug":1123,"_stopResolving":558},"Fee only financial advisor",421857245,"fee-only-financial-advisor","discover/financial-advice/fee-only-financial-advisor",{"type":129,"attrs":1125},{"color":12},{"text":1127,"type":22,"marks":1128}," for this reason. SEC-regulated advisors are an exception to this, as they are held to a fiduciary standard, meaning their advice and recommendations must be in your best interests.  ",[1129],{"type":129,"attrs":1130},{"color":12},{"type":18,"content":1132},[1133,1138,1146],{"text":1134,"type":22,"marks":1135},"Unbiased only works with ",[1136],{"type":129,"attrs":1137},{"color":12},{"text":1139,"type":22,"marks":1140},"SEC-regulated financial advisors",[1141,1143,1145],{"type":31,"attrs":1142},{"href":805,"uuid":34,"anchor":34,"target":806,"linktype":36},{"type":129,"attrs":1144},{"color":12},{"type":808},{"text":1147,"type":22,"marks":1148},", meaning they only act in your best interest.  ",[1149],{"type":129,"attrs":1150},{"color":12},{"type":823,"attrs":1152,"content":1153},{"level":825},[1154,1159],{"text":1155,"type":22,"marks":1156},"How do you compare financial advisor costs?",[1157],{"type":129,"attrs":1158},{"color":12},{"text":833,"type":22,"marks":1160},[1161],{"type":129,"attrs":1162},{"color":837},{"type":18,"content":1164},[1165],{"text":1166,"type":22,"marks":1167},"When it comes to choosing a financial advisor from among several, you should also compare costs and how financial advisors are paid – and there are a few ways to do this. ",[1168],{"type":129,"attrs":1169},{"color":12},{"type":18,"content":1171},[1172,1177,1186],{"text":1173,"type":22,"marks":1174},"One way is to check their ",[1175],{"type":129,"attrs":1176},{"color":12},{"text":1178,"type":22,"marks":1179},"Form ADV filing",[1180,1183,1185],{"type":31,"attrs":1181},{"href":1182,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://www.investopedia.com/terms/f/form_adv.asp",{"type":129,"attrs":1184},{"color":12},{"type":808},{"text":1187,"type":22,"marks":1188},", which you can do if they register as an investment advisor with the U.S. Securities and Exchange Commission. ",[1189],{"type":129,"attrs":1190},{"color":12},{"type":18,"content":1192},[1193],{"text":1194,"type":22,"marks":1195},"The form explains the advisor’s fees and how they make their money, and it includes other information such as disclosures and the services they offer. ",[1196],{"type":129,"attrs":1197},{"color":12},{"type":18,"content":1199},[1200],{"text":1201,"type":22,"marks":1202},"Another way is to review their fee schedule online, provided they detail their fees on their website.  ",[1203],{"type":129,"attrs":1204},{"color":12},{"type":18,"content":1206},[1207],{"text":1208,"type":22,"marks":1209},"If you can’t find their fees online, ask them directly via the phone, email, or in person.  ",[1210],{"type":129,"attrs":1211},{"color":12},{"type":823,"attrs":1213,"content":1214},{"level":825},[1215,1220],{"text":1216,"type":22,"marks":1217},"How to find a financial advisor",[1218],{"type":129,"attrs":1219},{"color":12},{"text":833,"type":22,"marks":1221},[1222],{"type":129,"attrs":1223},{"color":837},{"type":18,"content":1225},[1226],{"text":1227,"type":22,"marks":1228},"How financial advisors are paid can make a big difference to your experience with them.  ",[1229],{"type":129,"attrs":1230},{"color":12},{"type":18,"content":1232},[1233],{"text":1234,"type":22,"marks":1235},"How much you pay for this advice will depend on the advisor you choose.",[1236],{"type":129,"attrs":1237},{"color":12},{"type":18,"content":1239},[1240,1246],{"text":1241,"type":22,"marks":1242},"Let Unbiased take the hassle out of finding a financial advisor. ",[1243,1244],{"type":38},{"type":129,"attrs":1245},{"color":12},{"text":833,"type":22,"marks":1247},[1248],{"type":129,"attrs":1249},{"color":12},{"type":18,"content":1251},[1252,1258],{"text":1253,"type":22,"marks":1254},"We can match you with an SEC-regulated financial advisor who can help you learn more about finances and give you expert financial advice when you need it. ",[1255,1256],{"type":38},{"type":129,"attrs":1257},{"color":12},{"text":833,"type":22,"marks":1259},[1260],{"type":129,"attrs":1261},{"color":12},{"type":18,"content":1263},[1264,1274,1280],{"text":1265,"type":22,"marks":1266},"Get matched today",[1267,1270,1271,1273],{"type":31,"attrs":1268},{"href":1269,"uuid":34,"anchor":34,"target":806,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/advice-areas/?_gl=1%2ajlikky%2a_ga%2aMjEwOTg3MTczOC4xNjk3NDQ0NjE5%2a_ga_2L93GWDPD4%2aMTcwNDcyNDg0NC40OC4xLjE3MDQ3MjQ4NDYuNTguMC4w",{"type":38},{"type":129,"attrs":1272},{"color":12},{"type":808},{"text":1275,"type":22,"marks":1276},".",[1277,1278],{"type":38},{"type":129,"attrs":1279},{"color":12},{"text":833,"type":22,"marks":1281},[1282],{"type":129,"attrs":1283},{"color":12},"article-rich-text",[1286],{"_uid":1287,"image":1288,"title":1292,"component":1306,"breadcrumbs":558},"80640cb7-34fd-4b26-9e60-5993cf2e981b",{"id":1289,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1290,"copyright":12,"fieldtype":813,"meta_data":1291,"is_private":12,"is_external_url":543},13918995,"https://a.storyblok.com/f/185166/4294x2862/14c94edb91/how-does-a-financial-advisor-get-paid.webp",{},{"type":15,"content":1293},[1294],{"type":18,"content":1295},[1296,1298,1304],{"text":1297,"type":22},"How does a ",{"text":1299,"type":22,"marks":1300},"financial advisor get paid",[1301],{"type":25,"attrs":1302},{"class":1303},"primary-gradient",{"text":1305,"type":22},"?","app-hero",{"name":1308,"created_at":1309,"published_at":1310,"updated_at":1311,"id":1312,"uuid":1313,"content":1314,"slug":1325,"full_slug":1326,"sort_by_date":34,"position":1327,"tag_list":1328,"is_startpage":543,"parent_id":1329,"meta_data":34,"group_id":1330,"first_published_at":1331,"release_id":34,"lang":730,"path":34,"alternates":1332,"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":1315,"_uid":1316,"name":1308,"image":1317,"component":1321,"education":1322,"expertise":1323,"description":1324},"Content 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","andrew-michael","authors/andrew-michael",-10,[],224651374,"e88416b7-efa8-4a91-8603-ea86e80e816e","2024-12-12T14:40:44.315Z",[],[1334],{"_uid":1335,"body":1336,"title":1356,"component":1357},"0b8601e7-d1e4-4696-a97f-80858ddfbf7e",[1337,1341,1345,1348,1352],{"_uid":1338,"href":1339,"text":1340,"component":542,"openInNewWindow":558},"0556fb97-a736-4f3c-9d9d-bad28af22a4c","https://www.unbiased.com/discover/financial-advice/financial-advisor-industry-statistics","Financial advisor industry statistics",{"_uid":1342,"href":1343,"text":1344,"component":542,"openInNewWindow":558},"f73c897b-5e74-4e65-9b72-6567352c7e9a","https://www.unbiased.com/discover/financial-advice/best-financial-advisor","Best financial advisors",{"_uid":1346,"href":1347,"text":1120,"component":542,"openInNewWindow":558},"806bea37-bad4-4a8d-ad81-5ea3e2860d1b","https://www.unbiased.com/discover/financial-advice/fee-only-financial-advisor",{"_uid":1349,"href":1350,"text":1351,"component":542,"openInNewWindow":558},"97b094d2-ffd5-437e-bedc-553f786ca654","https://www.unbiased.com/discover/financial-advice/financial-advisor-websites","Financial advisor websites",{"_uid":1353,"href":1354,"text":1355,"component":542,"openInNewWindow":558},"e66b306a-8b68-4f62-b7f9-4a888ac4abc3","https://www.unbiased.com/discover/financial-advice/free-financial-advisor","Free financial advisor","Related to this article","app-links-list",{"title":1359,"plugin":1360,"og_image":12,"og_title":12,"description":1361,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"How Do Financial Advisors Get Paid? | Unbiased","seo_metatags","How are financial advisors paid? Find out more to allow you to understand their payment structures and to make informed choices for your financial future. ","app-article",[],[],"We unpack how a financial advisor gets paid, exploring fees, commissions, and salaries and taking a look at how to compare advisor costs. ",[],"how-does-a-financial-advisor-get-paid","discover/financial-advice/how-does-a-financial-advisor-get-paid",-3190,[],365590167,"759056a2-110f-4824-b178-4f0930e2e087","2024-01-31T14:55:13.929Z",[],{"left":727,"top":727,"width":1376,"height":1376,"rotate":727,"vFlip":543,"hFlip":543,"body":1377},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\"/>",[1379,1382,1383],{"title":1380,"exact":558,"href":1381},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":1384,"disabled":558},"/discover/financial-advice/how-does-a-financial-advisor-get-paid",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1386},"\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\"/>",1777540287205]