“we are licensed to advise, others are licensed to sell” 

Being independent and fee-only should be the only advisory set up between a client and his/her advisor.

Independent simply means we have no products to sell you; instead, what we do is we go out to the marketplace to find the best investments to fit your financial needs.  We have no ulterior motives. We are not driven by commissions or revenue sharing. Advisors at non fee-only firms, such as banks, brokerage firms and insurance companies are; they manage your portfolio based upon which products generate commissions, offer revenue-sharing or get them a bigger bonus. This is wrong. You should not be treated this way and your money should not be managed this way. 

The fee-only arrangement is far superior to the traditional broker/dealer transaction business because it directly aligns the advisor with your best interests.  When an advisor receives commissions or revenue sharing from an investment product s/he is acting in direct conflict with your best interest.  Thus, the advisor is placing your money into a particular investment simply because it gets him/her paid.  This compensation structure is bad for the advisor and worse for you.

We care so much about our clients that we specifically designed our company to be independent and fee-only. Being independent and fee-only is truly the best way - the only way - to prove you come first to us.