continued from pg. 5 By comparison, most brokers or others who work on a commission basis are only held to a " suitability " standard, which means that the product in question must only meet your investing objectives, time horizon and experience. Given two similar products, one with much higher fees, an advisor working under the fiduciary standard would be required to recommend the cheapest option. A broker held to the suitability standard might recommend the higher-fee product that pays a larger commission. Another certifying body to use for references is the National Association of Personal Financial Advisors (NAPFA). As with CFP professionals, NAPFA advisors must pass an exam and complete continuing education. Their planners are fee-only and are also held to the fiduciary standard. You can visit www.GarrettPlanning.com to find professionals with a variety of certifications and membership. 6 Cooperative Living/June 2015http://www.GarrettPlanning.com