AdviceOnly Retirement Planning Without Commissions Horizon

Retirement planning can feel like a minefield of conflicting advice, hidden fees, and products designed to generate income for the person selling them. For decades, the standard model has been a broker or agent who earns a commission on whatever they sell you, from annuities to mutual funds. That arrangement creates a built-in conflict of interest. The more you buy, or the more expensive the product, the more the advisor makes. Your goals may or may not align with that incen