Choosing advice
Financial adviser vs wealth manager
Where the services overlap, where they can differ, and what to check instead of relying on the job title.
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198 articles
Choosing advice
Do I need a financial adviser?
When regulated advice may add value, when guidance may be enough, and what to consider before paying.
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Fees and value
Is a 1% financial adviser fee expensive? Costs in pounds
See what a 1% adviser fee costs on £100,000, £250,000, £500,000 and £1 million, with monthly equivalents, ten-year illustrations and total-cost checks.
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Retirement and pensions
£500k pension: is an adviser worth it?
How to think about complexity, ongoing advice and fees when a pension is worth around £500,000.
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Choosing advice
Questions to ask a financial adviser before you commit
Take a practical checklist to your first financial adviser meeting. Ask about responsibility, experience, fees, ongoing service and what happens next.
Read guideFees and value
What does financial advice cost?
Compare charging models, fees in pounds and the work included.
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Choosing advice
How to check if a financial adviser is FCA regulated
Verify the firm, reference, contact details and appointed representative relationship.
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Financial adviser red flags
Pressure, vague fees, suspicious free reviews and regulatory details that do not match.
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Financial adviser vs financial planner
Why the titles overlap and what to compare instead of relying on the label.
Read guideFees and value
One-off vs ongoing financial advice: costs and services
Understand one-off financial advice costs, what the fee includes and how it differs from ongoing advice. Compare scope, implementation and follow-up.
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Choosing advice
Financial adviser minimum investment: how much do you need?
There is no universal minimum for financial advice. Understand minimum investments, minimum fees and one-off options before approaching an adviser.
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Fees and value
Can you negotiate financial adviser fees? What to ask
Ask about financial adviser fees with a clear comparison of scope, cash costs, tiers and caps. Use a practical script for discussing a quote.
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