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We're at university together alluded harold desyrel rls plunder That's because good personalized financial advice isn'tcheap. Most independent advisers who are fiduciaries chargetheir clients a percentage of the assets they manage for them.Anyone with less than $250,000 in investable assets isn't thatattractive to a fee-only adviser. Those clients can get free orinexpensive advice from brokers who sell products like mutualfunds and insurance policies, but in return those clients end upinvesting in the products the brokers are being paid to push.