{"id":4058,"date":"2014-06-10T06:00:30","date_gmt":"2014-06-10T13:00:30","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=4058"},"modified":"2022-11-04T01:41:37","modified_gmt":"2022-11-04T05:41:37","slug":"fee-only-cfp","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/","title":{"rendered":"What is a Fee Only CFP?"},"content":{"rendered":"<p>There is a lot of confusion about <a href=\"http:\/\/www.cfp.net\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">CFP\u00ae (Certified Financial Planner\u2122)<\/a> designees and their compensation systems. A big percentage of CFPs\u00ae claim to be <a href=\"https:\/\/www.wiseradvisor.com\/financial-advisors\/fee-only-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\">fee only advisors<\/a> without defining fee only or disclosing their compensation amounts to their clients.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_68_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d4c86ed0e37\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d4c86ed0e37\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/#The_Fee\" title=\"The Fee\">The Fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/#The_Asset-Based_Fee\" title=\"The Asset-Based Fee\">The Asset-Based Fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/#Commissions_Based_Fee\" title=\"Commissions Based Fee\">Commissions Based Fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/#Confusion\" title=\"Confusion\">Confusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/fee-only-cfp\/#Eliminate_Confusion\" title=\"Eliminate Confusion\">Eliminate Confusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"The_Fee\"><\/span><strong>The Fee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A<a href=\"http:\/\/www.paladinregistry.com\/articles\/how-important-is-the-cfp-designation\" target=\"_blank\" rel=\"noopener noreferrer\"> CFP\u00ae<\/a>, who is a relative rare purist, may define fee only compensation as only accepting hourly or fixed fees for their planning services. They are compensated like CPAs and attorneys. You pay $200 per hour or a $2,500 fixed fee for their planning services.<\/p>\n<p>This definition of fee only limits the amount of money the CFP\u00ae can make from his relationship with you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Asset-Based_Fee\"><\/span><strong>The Asset-Based Fee<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Some professionals include an asset-based fee in their definition of fee-only. It is a fee, versus a commission, that is a percentage of your assets (1% of $500,000 is $5,000). However, this fee may not meet the standard of the purist who limits the definition of fee-only to hourly and fixed fees.<\/p>\n<p>The single biggest revenue stream for financial planners and financial advisors is asset-based fees because they are recurring and they automatically increase with asset amounts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Commissions_Based_Fee\"><\/span><strong>Commissions Based Fee<br \/>\n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The fee only CFP\u00ae and other professionals sell against planners and advisors who are compensated with commissions. And yet, 75% of legitimate planners and advisors may also receive commissions for selling investment and\/or insurance products.<\/p>\n<p>For example, your <a href=\"http:\/\/www.investopedia.com\/terms\/f\/financial_plan.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">financial plan<\/a> recommends the purchase of significant amounts of insurance products (life, annuity, long-term care, disability). The sale of the products will generate $25,000 of commission income. Does the planner handle the insurance himself and keep all of the commission? Does he refer you to an insurance professional and share in the commission? Or, does he refer you and not receive anything for the referral. A pure fee only planner would do the latter.<\/p>\n<p>There are also investment commissions for the sale of mutual funds, hedge funds, and other financial products. Advisors may sell these products to clients with smaller asset amounts because a 5% commission produces a lot more income than a 1% fee.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Confusion\"><\/span><strong>Confusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is safe to say there are at least three types of financial professionals based on the way they are compensated:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.wiseradvisor.com\/financial-advisors\/fee-only-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>The fee only planner<\/strong><\/a>: His only method of compensation is an hourly or fixed fee.<\/li>\n<li><a href=\"https:\/\/www.wiseradvisor.com\/financial-advisors\/fee-based-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>The fee based planner<\/strong><\/a>: He is compensated with hourly, fixed, and asset-based fees.<\/li>\n<li><strong>The hybrid planner<\/strong>: He is compensated with hourly, fixed, and asset-based fees. Plus, he receives commissions from the sale of insurance and\/or investment products.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.paladinregistry.com\/blog\/advisors\/5-reasons-why-investors-pay-fees-to-financial-advisors\/\" target=\"_blank\" rel=\"noopener noreferrer\">Most financial professionals will discuss their compensation methods<\/a>, but they do not disclose their amounts of compensation \u2013 except the true fee only planners.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Eliminate_Confusion\"><\/span><strong>Eliminate Confusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There is an <a href=\"https:\/\/www.paladinregistry.com\/research\/overview\" target=\"_blank\" rel=\"noopener noreferrer\">easy way to eliminate any potential confusion<\/a> about advisor compensation. Require them to document in writing, so you have a record, of their compensation methods, their compensation amounts, and what you receive for the compensation. This is called transparency. You have every right to require this documentation \u2013 it\u2019s your money and your financial future that are at stake.<\/p>\n<p>Documentation should also include any payments from third parties. For example, your planner refers you to an insurance agent and participates in the commissions that are produced by the agent. Or, the planner\u2019s firm receives kickbacks from product companies such as mutual fund families and insurance companies.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There is a lot of confusion about CFP\u00ae (Certified Financial Planner\u2122) designees and their compensation systems. A big percentage of CFPs\u00ae claim to be fee only advisors without defining fee only or disclosing their compensation amounts to their clients. The Fee A CFP\u00ae, who is a relative rare purist, may define fee only compensation as only accepting hourly or fixed fees for their planning services. They are compensated like CPAs<\/p>\n","protected":false},"author":2,"featured_media":4062,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[325],"tags":[],"class_list":["post-4058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advisors"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a Fee Only Certified Financial Planner (CFP)? | Paladin Registry<\/title>\n<meta name=\"description\" content=\"There is a lot of confusion about Fee only CFP compensation. 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