<prompt> Human: My wife and I are looking for a financial planner for the first time. Ive always heard that a fee only planner is the only way to go to avoid paying commissions or fees based on things we may not need. Im leaning this way but have seen my mother who uses a local Edward Jones office for herself and seems to be happy although I have no idea what type of fees she pays.So I have questions on the pros and cons of each and figured this is a good place to use in our research.If we go with fee only, my assumption is heshe looks at what we have and suggests an allocation based on our risk adversity. Once thats done, is it up to us to actually make these moves or does the planner do it for us?Can anyone provide info on what type of fees are typically taken at a firm like the above mentioned?  <response>: Why do you feel you need a financial planner? Most people have situations that are simple enough to handle themselves for much less than it costs to hire a planner, even a fee-only one.Im leaning this way but have seen my mother who uses a local Edward Jones office for herself and seems to be happy although I have no idea what type of fees she pays.She probably pays a combination of assets under management fees, sales feescommissions, and high expense ratios for the funds financial salespeople like those from Edward Jones typically put their clients in. 