Commission Only - This is the traditional way that advisors have been remunerated. It includes upfront commissions and ongoing annual or trail "fees" on investments and policies.
Fee Only - More and more advisors are starting to charge for their services, regardless of what products are sold as a result of their advice. Fees can be charged by hourly rate, per job or by agreed retainer. Financial Planners that only work on fees (Fee Only Advice) are often referred to as Fee Only Advisors
Fee and Commission - This is a combination of both the above.
Pre-retirement and retirement planning. Helping clients to understand what constitutes "living within their means". We help clients to manage their lifestyle to optimise their choices given their resources.