$8.$ Financial planners $($FP$)$ at a local bank retail branch, versus the same bank's Wealth Management investment Advisor $($IA$)$ are similar yet different in the services they provide. Which of the following differentes Iax from FPs$?$

a$.$ IAs are typically focus on a bank's entry level clients for personal financial advisory servies and as a result, their services are mainly centered on budgeting and cashflow.

b$.$ IAs can offer their clients access to an open shelf of investment solutions over and above the stnadard set of managed solutions that a financial planner has access to$.$

c$.$ FPs can offer their clients access to an open shelf of investment solutions over and above the standard set of managed solutions that an IA has access to$.$

d$.$ FPs works on a discretionary basis and do not need approval for every action taken on client porflolios, where as IAs require client approval for every action taken on a portfolio