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Yo, JeanDavid.

<<How can you be sure that is who you are seeing? My sister has one who claims to be fee-only, but he pushes some mutual funds because he gets some kind of commissions from them. (This is in Canada, where the rules may be different.)>>

Can't speak for Canada because I don't know the rules there. But here all one has to is ask for the planner's ADV form, which is a biographical sketch all who give investment recommendations or advice must file with the SEC. Included therein is a statement of how that planner gets compensated. If part comes through commissions because of sales, it will be listed there.

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