Our resort charges an outside vendor fee. So if you don't use their florist, photographer, etc. there's a fee. For some items/services it's less expensive to use an outside vendor, but for the most part, it was easier for us to use the resort's. We are having an outside photog and dj though. So, although an outside wc may be able to get you a great deal, those outside vendor fees can add up (if your resort has them).