Either, they can sell a simple range of products, which will have commission built in, so you don’t have to pay up front for their work.

Or, they can be professionals – highly qualified and charge fees for their work.

There’s a lot of argument at the moment about the finer points, but that is the upshot.

Please forgive the gung-ho marketing, but I’ve been waiting for this development since 1995.  I am already running with the second path for my business, three years early.  If you need advice about your money, and you want to know what you’re paying for that advice, we need to talk.