Independent financial advisors are in the business to help you manage your money or to help you make more. But let’s face it: They’re also using your money to help them make more money too.

There are a few ways advisors can be paid, and these are based on their license and practice. Some, called “fee-based,” collect fees and commissions based on the money they handle. Others, called “fee-only,” are not allowed to receive commissions from the selling products and must charge in other ways. Does either payment model truly promise unbiased advice? The answer is no.