I think the time has come to see a financial adviser, primarily about my various pension employment pension funds I have and to decide whats best to do with them.
I have never had a financial adviser but when I used to work with Norwich Union Life Ins we dealt with a lot of intermediaries who were
a. a tied agent eg an adviser or a bank who would only sell one company's products
b. an IFA who would either be an individual, a compnay or even a bank arm who would sell any company's policies.
Back in those days , in most cases, their advice was free and they earned commission to pay their way.
Can anyone explain to me how things work now as I believe most are fee based? How do I find a good one to use? Is it just word of mouth like any other trade?
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