How do planners charge?

Generally, you face three basic billing structures:

Fee-only planners are paid only for the advice they give. They do not earn commissions by selling financial products such as life insurance or mutual funds.

Fee-based planners earn fees from advice and they make commissions on some of the products they sell.

Commission-based planners make money from the products they sell.

For more see How much will a planner cost me? and What kind of planner should I hire?