Fee vs. Commission: Finding the Right Financial Advisor and Understanding Your Costs – 12/06/2025
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John Berkley and Krista Berkley discuss the merits of “old school” commission-based investing versus the “new school” fee-based advising. Krista, who primarily uses commission-based mutual funds, explains that the upfront sales charge, though sometimes large, is a one-time fee on new money only and often results in lower ongoing expense ratios. Uncommon Cents Investing, however, is fee-based, charging an ongoing management fee.
The discussion highlights that the best platform depends on the client’s needs, whether it’s setting up an initial investment like a Roth IRA or requiring ongoing comprehensive financial services like tax and estate planning. Understanding how an advisor is compensated and the underlying product expenses is essential.
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