Fee structure is one of the fastest ways to understand how an advisor is incentivized. A fee-only advisor is compensated solely by client fees. A fee-based advisor charges client fees but may also earn commissions on certain products — meaning some recommendations may generate compensation the client doesn’t see directly. A commission-based advisor earns primarily from product sales. Mercer Advisors’ primary revenue is asset-based advisory fees paid by clients; per its Form CRS, it receives no compensation from any fund manager or third party for the investments it selects. A limited number of Mercer Advisors’ professionals are separately licensed to earn commissions on brokerage or insurance activities, which is fully disclosed.
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