Safeguarding the future of your loved ones is one of the most important parts of what effective Financial Planning is all about. Unfortunately, however, when you don't have a financial advisor who is on your side, chances are that your heirs and beneficiaries will receive only part of your estate. This is because the rest will go towards taxes and administrative costs that can center around commissions or other charges calculated as a percentage of your total assets. True fee-only Financial Advisors don't accept commissions or compensation based on product sales or other related costs. This means you get more comprehensive advice because they don't have to choose between what's best for you or what's best for them. Why is this so important in helping you minimize estate shrinkage and allowing you to achieve your lifetime personal goals?