Many dont even know what they are paying due to hidden fees in mutual funds and the way many advisers bill their clients.
A fee-only advisor will openly disclose all the fees you are paying and how you are paying them.
To find a Fee-Only advisor in your area go to: http://www.napfa.org/
For more from Dilbert's creator Scott Adams read this great piece from the WSJ:
http://online.wsj.com/article/SB10001424052748704913304575370913870866820.html?mod=ITP_thejournalreport_0
