Some financial advisers choose to earn a primary component of their income from enabling clients to plan their finances in a comprehensive manner and charge a minimal fee for extending share market tips. They engage closely with the client, offer advice on most if not all aspects of their personal finance, and charge a fee for their services.The fee may be of various types and a combination of the following: One-time fee for a financial plan. Fee for on-going review and periodic revisions.The asset-based fee charged as a percentage of assets being advised.Referral fee for engaging experts to take care of specific aspects of the plan. Referral fee for execution of plan through other agencies.Selection and portfolio construction fees.Fees for assessment and analysis of financial position Fee-only financial advisers usually do not take on the execution of the plan or advice. They refer the client to other agencies who may enable execution-n of the recommended investment transactions. This is to ensure that the commissions earned on selling commodity market tips and equity products, does not influence their advice to their clients.