Broadly there are four. Brokers, who are paid commissions to sell investment products. Insurance-based advisors, paid commissions on policies. Hybrid or dually registered advisors, who charge fees sometimes and earn commissions other times, depending on the transaction. And fee-only registered investment advisors, paid solely by clients and held to a fiduciary standard at all times. We are structured as a fee-only fiduciary. We sit on the same side of the table as you and our recommendations are based on what’s in your best interest.