This spread accounts for the increased risk associated with a mortgage vs. a bond. So a 10-yr bond yield of 4.00% plus the 170 basis points would put mortgage rates around 5.70%. Of course, this spread can and will vary over time, and is really just a quick way to ballpark mortgage interest rates.
If you bring an advisor, say, $100,000 of your savings and the advisor charges a 1.0% fee, you'll pay the advisor $1,000 a year. According to Forbes, these fees run from 0.75% to 1.5% of your account annually, though 2% is not uncommon.
Another way wedding planners charge is by a percentage of the budget. However, if the budget ends up increasing, your wedding planner costs increase. The percentage is approximately 10 to 20 percent, according to Costhelper.