conflict-free financial planning

https://financialplanningindustryzone.clarionvale.com/posts/how-financial-planning-industry-news-is-shaping-the-rise-of-advice-only-rias

Conflict-free financial planning means advice that's not tied to selling specific products or earning commissions. It's about figuring out what you actually need, not what makes someone else money. That could mean someone charging a flat fee or hourly rate, not a percentage of assets. It changes the whole conversation and keeps the focus on your goals, not their bottom line.