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Fee for service is probably your best bet rather than a commission environment.
By the way, don't kid yourself that banks do not work on commission. While the staff may not get a 'direct' commission from placing investments, they usually have a bonus tied to production at year end or something similar.
A lot of people say they want a 'planner' but what they want is just to invest money and make money. If that's the goal, do it yourself and learn.
While I agree a CFP is not a difficult designation compared with a CFA, the CFP with practical experience is going to be more relevant.
That's like saying a Harvard Law Degree is more impressive than someone that has their ticket for plumbing. While the Harvard Grad impresses me, I'm not hiring him to fix my toilet when my shits clog the bowl up.
As a rule of thumb in many cases, any really good planner that's experienced with fee based practices aren't looking at clients under $250,000. Simply put, there is not enough money it for them otherwise.
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