St. John Fee-Based Financial Planner 

St. John Fee-Based Financial Planner 

St. John Fee-Based Financial Planner 

St. John Fee-Based Financial Planner

For individuals who are looking to take charge of their financial futures and improve their financial outlook, working with a financial planner is a smart first step. A financial planner provides a range of financial planning services to individuals and businesses, including investment support, retirement planning, and more. As you search for a financial planner, you may have questions about fee structures. At Harvest Wealth Partners, we have answers. Reach out to our St. John fee-based financial planner directly today to learn more about fee structures, services, and how to get started. 

Services Provided By a Financial Planner

A financial planner provides myriad financial planning services to individuals, businesses, or both. At Harvest Wealth Partners, our financial planning services include:

Services for individuals

  • Investment planning, including navigating 401(k)s, mutual funds, and securities
  • Insurance planning, including understanding disability insurance, long-term care insurance, health insurance, and life insurance policies
  • Pension plan participant services
  • Retirement planning, including gaining insight into different retirement savings accounts, how much money one will need for retirement, and how to plan for Social Security retirement income
  • Private wealth strategies, including exploring ways to grow personal wealth

Services for businesses

  • Business continuation planning
  • Business succession planning 
  • Business exit strategy planning
  • Business wealth management
  • Business employee benefit programs 

Fee-Only vs. Fee-Based Financial Planning Services

When thinking about working with a financial planner, it’s important to understand the differences between fee-based and fee-only financial planners. 

A fee-only financial planner is a financial planning professional who is paid for their services directly by a client who is paying a fee. That fee could be a flat fee, a fixed percent of a client’s portfolio, or an hourly rate. The financial professional only gets paid through the fee; they do not receive a commission or other form of payment.

A fee-based financial planner, on the other hand, will also get paid by charging a client a fee. However, in addition to the client fee, they may also collect a commission or another form of payment from a provider of a financial service or product that is recommended to a client. While some people argue that this creates a conflict of interest, it’s important to remember that CERTIFIED FINANCIAL PLANNERS™ are fiduciaries. A financial planner who is a fiduciary has a legal and ethical obligation to always work within their clients’ best interests, not the best interests of the financial planner. 

Call Our St. John Fee-Based Financial Planner Today

Making the decision to work with a financial planner is one of the smartest things that you can do if you want to take control of your financial future. At Harvest Wealth Partners, we have a strong reputation in St. John and the surrounding areas, always prioritize a client’s needs and financial goals, are fiduciaries, and offer free initial consultations. To learn more about working with our St. John fee-based financial planner today, please call us directly or use the intake form on our website to send us a message at your convenience. We are here to help you!


Contact Us Today

We Are Your Partners for Years to ComeHarvest Wealth Partners is committed to helping our clients work towards a
successful future. We believe in your potential to understand the financial options that
can lead you to your goals. Call us today to partner with our team. We look forward to
continuing our mission for years to come.

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