Usually, you face 3 fundamental billing structures:
Fee-only planners are paid only for the guidance they give. They don't earn commissions by promoting monetary goods like life insurance coverage or mutual funds.
Fee-based planners earn charges from guidance and they make commissions on a few of the goods they sell.
Commission-based planners earn money in the goods they sell.
For much more see Just how much will a planner price me? and What sort of planner ought to I employ?