advice-only financial planning 2

https://kilo-wiki.win/index.php/Why_a_Financial_Planning_Flat_Fee_Model_Could_Save_You_Money_and_Headaches

Advice-only financial planning focuses on giving you a clear roadmap without managing your investments. You pay for expert guidance to build a budget, tackle debt, or plan for retirement, but keep control of your own accounts. It's like having a coach who helps you make smart money moves, rather than someone who takes the wheel for you.