We all have our own stock broker(s)/financial advisor(s). And we are well aware that they won't expose us to anything that can't make them money - particularly investing in your own business or income property. Most of the time, Retirement Plan Financial Advisors are honest about their fees but sometimes we are amazed at the hidden nature of brokers' asset based fees and  subsidies". This page is designed to show the difference between a true fee based consultant and a commission (subsidy) based financial "advisor". As you will see, we feel that anyone accepting a subsidy from an investment provider is really acting as a commissioned broker. That includes Third Party Administrators who take subsidies from insurance companies and mutual fund companies, regardless of disclosure.

The folks at Anything But Stocks are true consultants to the client. We do not work for or receive any compensation from any provider. 

Items to Consider	Anything But Stocks	Financial Advisors
Motivated by...	Client	Insurance companies, mutual fund companies, home office
Compensation Paid by...	Client	Insurance companies, mutual fund companies, home office
Educated by...	Law Schools, Pension Code, Pension Law, Case Law	Insurance companies, mutual fund companies, home office
Focus	Individual Clients wanting to own real property and/or business in their retirement Plans	Employee retirement plan assets
Cross Sells to Employees	Nope	Counts on income from selling other services to employee participants
Competes with Referral Network	Nope	Often sells mortgage, real estate, insurance, payroll, and other services
Compensation Based on...	Knowledge and work product	Value of your assets
Gets paid for...	Consulting with clients; Creating and delivering work product	Selling products
Investment Advice	Nope	Yep, for better or for worse

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