<prompt> Human: As in the past, we dont charge fee for purchasing, selling and switching, even our financial planning. When we invest, we always do front-end 0, which means we dont charge our clients commission and your money will not be locked in with the fund companies too. Our income is mainly from the trailing commission from mutual fund companies directly which is based on the assets under our management with them. Therefore, you dont need to worry about the fee structure. So should I, or shouldnt I worry about the fee structure?  <response>: So should I, or shouldnt I worry about the fee structure?Obviously you should worry about the fee structure. Is your CFP actually a CFP? Do they advise in a fiduciary capacity?Our income is mainly from the trailing commission from mutual fund companies directly which is based on the assets under our management with them. Therefore, you dont need to worry about the fee structure.This seems to imply that they arent an impartial, fiduciary advisor. 