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You asked: What should I expect to pay for advice?

For one-off pieces of work, like transferring a pension or a full financial review at retirement, a one-off charge is often paid. The charges can vary significantly, depending on the breadth and depth of the services provided. Advisers who manage investments on an ongoing basis will often charge based on a percentage of the value of your investments each year. An adviser should always explain and discuss their charges with you so they are fully disclosed at the outset, before you agree to proceed.

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