F&H resources and web tools are offered free to consumers. Financial professionals who are part of F&H's Professional Membership Program pay membership dues and other fees to support F&H research and administration. In return, F&H supplies members with information needed to make informed financial decisions. Members provide F&H materials free of charge to the consumer.
If you have been contacted by an F&H Member you have likely requested financial planning advice from F&H. The Institute automatically connects you to an F&H Member in your area who will deliver these materials and assistance in accordance with F&H guidelines.