Just to be very clear for anyone else who comes across: Fee-only simply means they are paid an agreed on price from you and they don't get kickbacks, commissio

Just to be very clear for anyone else who comes across: Fee-only simply means they are paid an agreed on price from you and they don't get kickbacks, commissions, any type of reward for where you put your money. Fee-only fiduciaries will also have a link on their website to a PDF that very clearly describes the relationship and pricing. There are hourly fees and AUM fees. I have only seen hourly fees apply for the creation of a financial plan. I did not see any offering in my area of someone managing a portfolio for less than 1% AUM. The cost of a financial plan was quoted to me at least $6500, so not cheap. I talked to a "normal" financial advisor as well—they get kickbacks. They tried to put me in super aggressive setups, life insurance, etc. It was not discussed upfront what their cuts are and it was very clear that it wasn't best for me. Be very very cautious if you ever go down this route.