The Fee-Only method is better because it is the most cost-effective compensation structure when compared to "fee-based" and "commission-based". Generally, Fee-Only compensation eliminates most conflicts of interest. Since most (if not all) Fee-Only advisors are independent and do not operate as a broker for a brokerage firm or an insurance company, they have the flexibility of placing client assets in the best investment vehicles available. Our clients are never "locked" into an investment product or contract under our advisory. Funds can be liquidated immediately without any penalties. The client can simply “de-link” us as an advisor by calling the custodian directly. Since we operate independently on brokerage platforms of Charles Schwab, Fidelity, TD Ameritrade, and Interactive Brokers, client has total portability. He or she may transfer the assets without any hassle.