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Peter Mallouk, Fred Fern, Jon Goldstein, Spuds Powell, Ron Carson, John W. Rafal, Robert A. Clarfeld, Greg Miller.

Here are America's top independent financial advisors: Jeff Erdmann Brian C. Pfeifler Mark Curtis Christopher Errico Greg Vaughan Charles Zhang Rod Westmoreland Lyon Polk Raj Sharma Jason Katz

Percentage fee: This is the most common way for advisers to charge, perhaps because it most closely resembles how they used to charge under the commission model. It's based on a percentage of the money you want advice on or managed.Fixed fee per service: These fees are charged each time you go to the adviser for different 'projects', such as consol

A financial planner is someone who uses the financial planning process to help you determine how to meet your life goals. The key function of a financial planner is to help people identify their financial planning needs, their present priorities and the products that are most suitable to meet their needs. He or she normally possesses detailed knowl

If an adviser is 'independent' or a firm advertises that it gives 'independent advice' this means that it's able to advise and sell products from any provider right across the market. Therefore you should get the very best advice and products tailored just for you.

Real interest rates can indeed be negative. When real interest rates are negative, it means that the inflation rate is larger than the nominal interest rate. Measuring the real interest rate lets investors determine if they are actually making money and growing purchasing power on an investment. If the real interest rate is not larger than inflatio