By Bryce Sanders, San Francisco Business Times

Successful people often enlist the services of a financial advisor. Some seek minimal advice, others collaborate, and some outsource the process.

If an investor makes his or her own decisions and desires minimal advice, paying a financial planner by the hour and walking away with a roadmap is an attractive option.

If you are busy and want both a plan and its recommendations implemented by the advisor, you might ask: “Who does my advisor work for?”

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