financial advisor fee models

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Financial advisors have a few different ways they charge for their services. Some work on a commission basis, earning a percentage when they sell you products like insurance or mutual funds. Others charge a flat annual fee, often as a percentage of the assets they manage for you, which is called assets under management or AUM. You'll also find advisors who bill by the hour or offer a monthly subscription for ongoing advice. It's worth asking about their fee structure upfront so you know exactly…