A common piece of investment advice is to only seek out fee-only financial planning services. These services don't take commissions from the financial institutions that they sell products from. Instead, they make their money from charging you an annual fee based on the value of your investment portfolio. In theory, this means that they always have your best interests in mind while managing your portfolio.
Fee-based financial planning services, on the other hand, are allowed to take commissions from the financial institutions that they sell investment products from.