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Fee-only financial planners are compensated solely by client fees and do not accept commissions or compensation from any other source. In contrast, commission-based or fee-based planners are compensated entirely or in part on commissions from products recommended and sold. Both commission and fee-based planners have an incentive to invest their clients' money in products that pay the highest commissions. Keystone Financial Planning believes there is a significant conflict of interest if an advisor stands to gain personally from any action recommended to the client.
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We charge a flat fee or an hourly fee for financial planning. Our asset management fees are based on a percentage of the assets under management. We have a strong incentive to minimize your trading costs and fund management expenses and to maximize your portfolio value. Our fees can only grow when your investments grow. For more specifics about our fee schedule, please click here.
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Christopher M. Jones, the Principal of Keystone Financial Planning, is a member of the National Association of Personal Financial Advisors (NAPFA). Founded in 1983, NAPFA is the largest nationwide organization of comprehensive fee-only financial advisors. NAPFA requires the highest competency standards in the industry. More than half of those advisors who inquire about joining NAPFA are denied admission when they initially apply. NAPFA has been endorsed by the AARP, the Consumer Federation of America, and state regulators.
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"Eighty-four percent of the advisors on our list [of America's top 250 financial advisors] are fee-only planners."
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--Worth, September 2001 |
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"Financial Planners who take commissions have a built-in conflict of interest… my choice would be a fee-only planner."
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--Newsweek, Jane Bryant Quinn |
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"A financial planner's compensation should be from fees alone."
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--Money |
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Fee-Only
Macungie, PA 18062
