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Typically, financial planners earn their living both from commissions or by charging hourly or flat rates for their companies. A fee is a charge paid whenever somebody buys or sells a inventory or other investment. For reasons we’ll clarify later, you may need to keep away from financial planners who rely on commissions for his or her income. These advisers will not be essentially the most unbiased source of advice in the event that they profit from steering you into specific products.