What is Fee-Only? Financial advisors are compensated by either selling you commission products like annuities, insurances, and mutual funds or by acting 100% as fiduciaries. In a commission sales relationship, your interests are not necessarily represented first and foremost. In a fiduciary relationship, your interests come before anything else – that’s the fee-only difference. Huston-Fox is your locally owned and operated fee-only firm. Our interests are aligned fully with your interests in how we are compensated. We are fiduciaries.