The Pros and Cons of Being Independent

We only support clients on an ongoing fee-only basis after they have engaged us to complete a paid master plan. We deliberately don't receive any kickback on commissions and the client has what they need that's positive in my view. In addition, there's pros and cons to this being independent we don't sell any insurance product. It doesn't happen very often but if a client does need say protection policy for example in order to complete their plan we can direct them to a separate vetted expert in that field to get X-Y or Z sorted out. They complete that transaction separately with that insurance broker quickly and cost effectively. I don't get involved in protection it is not my area of