As a Fee-only financial planner serving Gen X and Gen Y, I am a registered investment advisor with a duty of faithfulness to my clients and my clients alone. My income is based strictly on the fees my clients pay and I receive no commissions, referral fees or kickbacks of any kind. This means that I don’t sell any products – like insurance policies or mutual funds – that pay a commission. My only compensation comes directly from you, my client. I am free of any conflicts of interest that might result from other types of income arrangements.