{"id":7055378,"date":"2026-09-03T03:09:26","date_gmt":"2026-09-03T03:09:26","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/fee-only-flat-fee-fee-based-a-full-description-of-how-financial-advisors-charge-fees\/"},"modified":"2026-09-03T03:09:26","modified_gmt":"2026-09-03T03:09:26","slug":"fee-only-flat-fee-fee-based-a-full-description-of-how-financial-advisors-charge-fees","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7055378","title":{"rendered":"Fee-Only, Flat Fee, Fee-Based?! A Full Description of How Financial Advisors Charge Fees"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"wp-block-group\">\n<div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><em>Don\u2019t miss an episode of our podcast,\u00a0<strong>Personal Finance for Long-Term Investors<\/strong>. Available on all podcast players. <\/em><\/p>\n<p>Here\u2019s the latest episode: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/is-my-diy-financial-plan-working-e148\/id1553180943?i=1000782881772\"><\/iframe><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<\/div>\n<\/div>\n<p>The financial advising industry <em>stinks<\/em> for its jargon. The worst culprit might be the different ways advisors charge fees. <\/p>\n<p>Lots of DIYers \u2013 <em>and lots of professionals too!<\/em> \u2013 consistently get this language wrong. <\/p>\n<p>These people below? <em>All conflating or confusing the terms. <\/em><\/p>\n<p>And I don\u2019t blame them! Man alive, it\u2019s hard to keep track of. <\/p>\n<figure class=\"wp-block-image size-large has-custom-border\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"164\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.08.55-AM-1024x164.png\" alt=\"\" class=\"wp-image-64065\" style=\"border-width:5px\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.08.55-AM-1024x164.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.08.55-AM-300x48.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.08.55-AM-768x123.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.08.55-AM.png 1352w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"114\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM-1024x114.png\" alt=\"\" class=\"wp-image-64068\" style=\"border-width:5px\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM-1024x114.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM-300x33.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM-768x86.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM-1536x171.png 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.24.43-AM.png 2010w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<figure class=\"wp-block-image size-large has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"46\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.27.08-AM-1024x46.png\" alt=\"\" class=\"wp-image-64069\" style=\"border-width:5px\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.27.08-AM-1024x46.png 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.27.08-AM-300x14.png 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.27.08-AM-768x35.png 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/Screenshot-2026-05-03-at-9.27.08-AM.png 1368w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"\/><\/figure>\n<ul class=\"wp-block-list\">\n<li>Fee-only<\/li>\n<li>Advice-only<\/li>\n<li>Fee-based<\/li>\n<li>Assets under management (AUM) <\/li>\n<li>Commission-based<\/li>\n<li>Project-based<\/li>\n<li><em>\u201cWe do better when you do better.\u201d<\/em><\/li>\n<li>Flat-fee<\/li>\n<li>Loads, trails, and wraps <\/li>\n<\/ul>\n<p>I\u2019m writing this as a simple \u201cevergreen\u201d post that folks can use to decipher what fee jargon actually means. <\/p>\n<h2 class=\"wp-block-heading\">Fee-Only vs. Commissions<\/h2>\n<p>The first big line in the sand:  \u201cfee-only.\u201d <\/p>\n<p>Being \u201cfee-only\u201d means the advisor is paid <strong>ONLY<\/strong> by you, the client, for their advice. You pay them a fee. That\u2019s it. <\/p>\n<p>The advisor does not receive commissions, kickbacks, or bonuses for selling you particular funds, products, etc.  <\/p>\n<p>You pay the fee. They give you advice. <\/p>\n<p>But \u201cfee-only\u201d doesn\u2019t tell you <em>anything more<\/em> about what the fee actually is. <\/p>\n<p>It only tells you, \u201cNo commissions here. There\u2019s a fee for advice \u2013 and that\u2019s it.\u201d <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1058\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224.jpeg\" alt=\"car dealership business discussion indoors\" class=\"wp-image-64073\" style=\"aspect-ratio:1.7769629305312318;width:391px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224-300x169.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224-1024x576.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224-768x432.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-36730224-1536x864.jpeg 1536w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">\u201cFee-Based\u201d <\/h2>\n<p>\u201cFee-based\u201d is <em>not<\/em> the same as \u201cfee-only.\u201d <\/p>\n<p>Fee-based advisors charge fees (typically AUM, discussed below) <em>AND<\/em> earn commissions on certain products. <\/p>\n<p>You should think, <em>\u201cThey are fee <strong>based<\/strong>, but not fee <strong>only<\/strong>. There\u2019s more than just a fee.\u201d <\/em><\/p>\n<p>This is the dominant wirehouse model (Morgan Stanley, Merrill Lynch, UBS, Wells Fargo, etc). <\/p>\n<h2 class=\"wp-block-heading\">\u201cAdvice-Only\u201d or \u201cPlanning-Only\u201d <\/h2>\n<p>Most financial advisors will manage their clients\u2019 assets, making investment changes within their clients\u2019 portfolios. This is a core service of the wealth management industry, and a reason why many clients seek professional advice. <\/p>\n<p>But some clients are comfortable and confident investors, only seeking counsel in other aspects of their financial plans.  <\/p>\n<p>\u201cAdvice-only\u201d or \u201cplanning-only\u201d advisors serve these types of clients. <\/p>\n<p>These advisors provide guidance and advice to their clients, but <strong>do not<\/strong> manage their clients\u2019 assets or \u201cpush the buttons\u201d on their clients\u2019 portfolios. <\/p>\n<p>Most \u201cadvice-only\u201d advisors charge flat fees or hourly fees (see more below). <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1724\" height=\"1300\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396.jpeg\" alt=\"clear glass with red sand grainer\" class=\"wp-image-64074\" style=\"width:479px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396.jpeg 1724w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396-300x226.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396-1024x772.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396-768x579.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/hourglass-time-hours-sand-39396-1536x1158.jpeg 1536w\" sizes=\"auto, (max-width: 1724px) 100vw, 1724px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Being a \u201cFiduciary\u201d<\/h2>\n<p>The \u201cfiduciary filter\u201d is helpful in finding an advisor, but it\u2019s far from the only question you should ask. <\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Read more: <a href=\"https:\/\/google.com\/search?q=jesse+cramer+questions+to+ask+a+financial+advisor&amp;oq=jesse+cramer+questions+to+ask+a+financial+advisor&amp;gs_lcrp=EgZjaHJvbWUyCwgAEEUYChg5GKABMgcIARAhGKsCMgcIAhAhGI8C0gEINDM3OWowajmoAgCwAgHxBQzqrjv--mQM&amp;sourceid=chrome&amp;ie=UTF-8\">The Questions To Ask Any Financial Advisor<\/a><\/p>\n<\/blockquote>\n<p>Being a \u201cfiduciary\u201d says <em><strong>nothing<\/strong><\/em> about how fees are charged. <\/p>\n<p>The fiduciary obligation is a standard of conduct. Not a fee structure. <\/p>\n<p>People conflate \u201cfiduciary\u201d with \u201cfee-only\u201d because fee-only advisors have done an effective job of marketing the idea that their fee structure <em>inherently<\/em> produces better fiduciary behavior. <\/p>\n<p>But there are advisors who earn commissions <em>but also<\/em> describe themselves as fiduciaries. <\/p>\n<p>So again \u2013 being a \u201cfiduciary\u201d says <em><strong>nothing<\/strong><\/em> about how fees are charged. <\/p>\n<p>Learn more here: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/19-questions-to-uncover-good-bad-and-ugly-financial\/id1553180943?i=1000709217315\"><\/iframe><\/p>\n<h2 class=\"wp-block-heading\">Common Fee Models<\/h2>\n<p>When advisors charge fees for advice, the most common models are: <\/p>\n<h4 class=\"wp-block-heading\"><strong>Assets Under Management (AUM):<\/strong> <\/h4>\n<p>The dominant model in the industry. The fee equals a percentage of managed assets, with 1.00% being the most common. <em>e.g. on a $2M portfolio \u2013&gt; 1% = $20,000 annual fee. <\/em><\/p>\n<p>Many firms \u201ctier\u201d their AUM fees. As assets grow, the percentages shrink. <em>e.g. 1% on the first $1M, then 0.5% after $1M <\/em><\/p>\n<p>Many firms have \u201caccount minimums\u201d and\/or \u201cfee minimums,\u201d pricing out smaller clients.<\/p>\n<p><em>Note: <strong>\u201cWrap Fees\u201d<\/strong> are extremely similar to AUM fees. When you see \u201cWrap Fee,\u201d you should (mostly) think \u201cAUM fee.\u201d <\/em><\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185.jpeg\" alt=\"smartphone on black table\" class=\"wp-image-64075\" style=\"aspect-ratio:1.5004004929143562;width:380px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185-1024x682.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185-1536x1024.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-6120185-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h4 class=\"wp-block-heading\">Flat Fees<\/h4>\n<p>Flat fee advisors quote a flat price to their clients <em>(rather than quoting a percentage fee that will change based on portfolio size).<\/em><\/p>\n<p>Some flat fee advisors quote the same, uniform fee for all their clients. <\/p>\n<p>Some flat fee advisors adjust their fee based on the client\u2019s complexity. <\/p>\n<p>Some flat fee advisors work on a \u201cone-time\u201d basis. <em>See Project\/One-Time below. <\/em><\/p>\n<p>Other flat fee advisors work on an on-going, annual basis. <\/p>\n<p>Investment management may or may not be involved. <\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"867\" height=\"1300\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-35258830.jpeg\" alt=\"golden pancake with fresh roses in kitchen\" class=\"wp-image-64076\" style=\"aspect-ratio:0.6669177153655498;width:200px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-35258830.jpeg 867w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-35258830-200x300.jpeg 200w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-35258830-683x1024.jpeg 683w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-35258830-768x1152.jpeg 768w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\"\/><\/figure>\n<\/div>\n<h4 class=\"wp-block-heading\">Project \/ One-Time Fee<\/h4>\n<p>This engagement typically involves a fixed fee in exchange for a specific, one-time deliverable. There is no on-going relationship. <\/p>\n<p>Investment management is typically not involved. <\/p>\n<h4 class=\"wp-block-heading\">Hourly<\/h4>\n<p>Hourly advisors are a subset of flat fee advisors who sell their time to clients on an hourly basis. <\/p>\n<p>This engagement typically involves a fixed fee in exhcange for a specific, one-time deliverable. There is no on-going relationship. <\/p>\n<p>Investment management is typically not involved. <\/p>\n<h4 class=\"wp-block-heading\">Monthly \/ Subscription<\/h4>\n<p>Some advisors sell their services on a monthly and\/or subscribption basis. <\/p>\n<p>Hourly advisors are a subset of flat fee advisors who sell their time to clients on an hourly basis. <\/p>\n<p>Investment management may or may not be involved. <\/p>\n<h2 class=\"wp-block-heading\">Commission Models <\/h2>\n<p>Commissions are still the dominant fee structure in the financial advising industry. <\/p>\n<p><strong>Transaction Commissions <\/strong>are the <em>original<\/em> advisor pay model. Commissions are earned when products (stocks, funds, insurance products) are bought or sold. Still dominant in insurance and some broker-dealer channels.<\/p>\n<p><strong>Mutual Fund Loads<\/strong> are a type of sales commission embedded in some mutual fund purchases. <\/p>\n<p><strong>\u201cTrails\u201d \/ 12b-1 Fees<\/strong> are ongoing annual payments from mutual fund companies to the advisor who sold the fund to a client. This fee is embedded in the fund\u2019s expense ratio (which the client pays). <\/p>\n<p><strong>Insurance Commissions<\/strong> are paid by the insurance carrier to the salesperson when they sell life insurance, annuities, long-term care, disability, etc.  commissions alone can run 4%\u20138% of premium.<\/p>\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1880\" height=\"1253\" src=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357.jpeg\" alt=\"magnifying glass and a document\" class=\"wp-image-64077\" style=\"aspect-ratio:1.5004004929143562;width:403px;height:auto\" srcset=\"https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357.jpeg 1880w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357-300x200.jpeg 300w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357-1024x682.jpeg 1024w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357-768x512.jpeg 768w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357-1536x1024.jpeg 1536w, https:\/\/bestinterest.blog\/wp-content\/uploads\/2026\/05\/pexels-photo-10341357-930x620.jpeg 930w\" sizes=\"auto, (max-width: 1880px) 100vw, 1880px\"\/><\/figure>\n<\/div>\n<h2 class=\"wp-block-heading\">Specialty Models<\/h2>\n<p>There are a few corner case (but still reasonably common) fee structures still worth covering. <\/p>\n<p><strong>Performance Fees<\/strong> are often found in exotic and\/or high risk investments. <em>If<\/em> the investment performs above a particular threshold, then the advisor \/ fund manager receives extra payment. Common in hedge funds and private investments, highly regulated for retail clients, and generally limited to qualified investors.<\/p>\n<p><strong>TAMPs <\/strong>(Turnkey Asset Management Program) allow financial advisors to outsource investment management, portfolio construction, trading, etc. to a third-party for (usually) an AUM fee. Sometimes this fee is explicity passed onto the client. Other times, the fee is implicitly embedded in the advisor\u2019s overall fee. <\/p>\n<h2 class=\"wp-block-heading\">It\u2019s a Jungle\u2026<\/h2>\n<p>The many different fee structures (and naming conventions) make advisory fees a challenging mess for clients and consumers to understand. <\/p>\n<p>Hopefully this simple primer helped out. <\/p>\n<p>For more information on questions to ask a financial advisor, tune in here: <\/p>\n<p><iframe allow=\"autoplay *; encrypted-media *; fullscreen *; clipboard-write\" frameborder=\"0\" height=\"175\" style=\"width:100%;max-width:660px;overflow:hidden;border-radius:10px;\" sandbox=\"allow-forms allow-popups allow-same-origin allow-scripts allow-storage-access-by-user-activation allow-top-navigation-by-user-activation\" src=\"https:\/\/embed.podcasts.apple.com\/us\/podcast\/19-questions-to-uncover-good-bad-and-ugly-financial\/id1553180943?i=1000709217315\"><\/iframe><\/p>\n<p>Thank you for reading! Here are three quick notes for you: <\/p>\n<p><strong>First<\/strong> \u2013 If you enjoyed this article, join 1000\u2019s of subscribers who read Jesse\u2019s free weekly email, where he send you links to the smartest financial content I find online every week. 100% free, unsubscribe anytime.<\/p>\n<p><strong>Second<\/strong> \u2013 Jesse\u2019s podcast <em><strong><a href=\"https:\/\/bestinterest.blog\/personal-finance-for-long-term-investors\/\">\u201cPersonal Finance for Long-Term Investors\u201d<\/a><\/strong><\/em> has grown ~10x over the past couple years, now helping ~10,000 people per month. <strong><a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/the-best-interest-personal-finance-for-long-term-investors\/id1553180943\">Tune in and check it out.<\/a>   <\/strong><\/p>\n<p><strong>Last<\/strong> \u2013 Jesse works full-time for a fiduciary wealth management firm in Upstate NY. Jesse and his colleagues help families solve the expensive problems he writes and podcasts about. <a href=\"https:\/\/bestinterest.blog\/work\/\"><strong>Schedule a free call with Jesse<\/strong><\/a> to see if you\u2019re a good fit for his practice. <\/p>\n<p>We\u2019ll talk to you soon! <\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Don\u2019t miss an episode of our podcast,\u00a0Personal Finance for Long-Term Investors. Available on all podcast players. Here\u2019s the latest episode: The financial advising industry stinks for its jargon. The worst culprit might be the different ways advisors charge fees. Lots of DIYers \u2013 and lots of professionals too! \u2013 consistently get this language wrong. These [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7055379,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11403,20225,9374,11101,217781,217780,10939,10912,1085,247],"dealstore":[],"offerexpiration":[],"class_list":["post-7055378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-advisors","tag-charge","tag-description","tag-fee","tag-feebased","tag-feeonly","tag-fees","tag-financial","tag-flat","tag-full"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fee-Only, Flat Fee, Fee-Based?! 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