advice-only financial model 2

https://studentloanplanningfacts.dovetailscope.com/posts/smart-student-loan-planning-for-recent-graduates-and-families

An advice-only financial model means paying a flat fee or hourly rate for unbiased guidance, without any product sales or commissions. It's like having a financial coach who helps you make smart money moves, but you handle all the actual investments and insurance purchases yourself. This approach keeps advice clean and conflict-free, focused purely on your financial well-being.