Heidelberger Druck, by contrast, charges a flat fee-for-service, which can be cheaper for most commercial printers and less hassle.

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However, large plans are known to retain an investment advisor that charges a flat fee or a percentage of the assets for investment consulting and advisory services.

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BATS, for example, charges a flat fee of .0024 cents for removing liquidity and rebates .0022 cents for adding it (most ECNs have this type of pricing model).

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It charges a flat hourly fee for sending a team of agents onto the street, but Chief Executive Simon Rydings, would not say what that was.

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If you want advice delivered in person, consider a fee-only planner, meaning one who charges either an hourly rate or a flat rate, as opposed to one who lives off sales commissions.

FORBES: Got To Have A Plan