Fees and value
What does fee-only financial adviser mean in the UK?
Why fee-only is common US terminology, how UK adviser charging works and what to ask instead.
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Fees and value
Flat-fee financial advisers: fixed fees explained
Understand fixed financial advice fees, what the price covers and when extra charges apply. Compare a flat fee with percentage charging using clear examples.
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Fees and value
Hourly financial adviser fees: costs and minimums
Understand hourly financial adviser charges, estimated hours and minimum project fees. See why the hourly rate alone does not tell you the final cost.
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Choosing advice
Financial adviser vs mortgage broker: who do you need?
The difference between broader financial planning and regulated mortgage advice when buying or remortgaging a home.
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Financial coach vs financial adviser: what is the difference?
How financial coaching differs from regulated financial advice and why the distinction matters before paying for help.
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Choosing advice
Robo-adviser vs financial adviser: which is right for you?
How automated investment services differ from personalised regulated financial advice in the UK.
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Financial planner vs investment manager: what is the difference?
The difference between planning your wider finances and managing an investment portfolio.
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Choosing advice
Level 4 vs Level 6 financial adviser qualifications
What Level 4 and Level 6 financial planning qualifications can indicate, and why consumers should not treat the level as a league table.
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Work and business
Pensions and financial advice for self-employed people
Understand pension planning when you are self-employed, how irregular income affects saving and when a financial adviser may help with retirement and protection.
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When might a contractor need a financial adviser?
Financial planning considerations for contractors, including pensions, variable income, protection and moving between employment structures.
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Retirement and pensions
How to find a financial adviser for a defined benefit pension
What to look for when a defined benefit or final salary pension creates a specialist advice need.
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How much does defined benefit pension transfer advice cost?
Why DB transfer advice can cost thousands, when advice is legally required and what to compare between specialist firms.
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