Financial Planning Without Product Sales Horizon

How to Find Honest Financial Planning Without Product Sales

The Problem with Product-Led Advice For decades, the financial advice industry operated on a simple model: give away the planning, make money on the products. A client would sit down with a broker, get a "free" plan, and walk out with a high-commission annuity or a loaded mutual fund. The plan itself was often a sales tool, not a genuine roadmap. That model still exists, but a growing number of people now want something different: financial planning without product sales.