advice-only financial model 4

https://thecashflowbudgetinginfo.brightpathdigest.com/posts/why-cash-flow-budgeting-belongs-at-the-center-of-your-financial-plan

In an advice-only financial model, you pay a flat fee or hourly rate for personalized guidance without the advisor managing your investments. It's like hiring a financial coach who helps you create a budget, tackle debt, or plan for retirement, but you remain in control of your own accounts. This approach keeps costs transparent and avoids conflicts of interest tied to commissions.