Investors are really getting into do-it-yourself (DIY) investing, but they still value getting professional advice. The big change is who they’re turning to for that guidance. Back when investing wasn’t as accessible, many people relied on advisors who often charged high fees and pushed their employer's products. That left a lot of investors feeling dissatisfied, with 27% of them reporting that they couldn’t access the products they really wanted. Now that DIY investor platforms, like Wealthsimple and Questrade, have made investing more accessible, many folks still want the advice but without the downsides. That’s where advice-only financial planners come in. They charge an upfront fee instead of earning commissions on what they sell, so you get solid guidance without the sales pitch. Plus, their flat fees can cost you less — advice-only planners typically charge $100 to $400 an hour, while financial advisors often charge between 1% and 2% of your portfolio, depending on its value. It leaves the control in the investor’s hands, while offering a roadmap to achieve goals. The demand for advice-only planners has surged; many now with waiting lists stretching as long as six months.