(Image credit: Getty Images) Most investors begin their search for a financial advisor by asking a familiar question: "What do you charge?" It's understandable — but it's the wrong place to start. The better question is simpler and more revealing: "What type of financial advisory service do I need?" From just $107.88 $24.99 for Kiplinger Personal Finance Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues CLICK FOR FREE ISSUE Sign up for Kiplinger’s Free Newsletters Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail. Profit and prosper with the best of expert advice - straight to your e-mail. Until you answer that, conversations about fees, compensation models and even which advisors to consider are premature. Start with the service you need and want — not the fee Financial advice generally falls into three distinct service models.…