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Subject:  Re: Retirement Plan - Which Way To Go? Date:  12/2/2005  3:46 PM
Author:  wintbill Number:  48582 of 96097

OP stands for Original Poster: yourself in this case.

It doesn't seem that the fee-based advisor will make specific recommendations unless I enroll in the investment management service, where they would construct and manage a portfolio for me. When I asked about hourly consultation to help us with the life insurance and TSP questions, she said that these needed to be addressed within the totality of our financial situation (i.e., the financial plan).

There are countless ways advisors earn income through their services. This particular planner has chosen not to offer "a la carte" services (the specific investment recommendations you mention) unless you enroll in a plan. Not every advisor choses to run his or her business this way.

You can find additional advisors using the search feature on the CFP(r) Board website, or through the Financial Planning Association, . These are two reputable organizations that should help you identify advisors that can provide the services you need.

There's no sense in paying for services you don't need. And certainly do not be pressured into an agreement because you're told that nobody will do the things you're seeking.

The comments here have been enormously helpful to me in trying to think through these issues.

This is a compliment to all the posters here at The Motely Fool. I believe I can speak for the community that we hope you feel you are receiving more value than the yearly subscription charged for access to these discussion boards (coincidentally, the reason why I continue to subscribe).

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