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@amac090
I'm a financial adviser (in Australia only, I work remotely i.e. can't give UK based advice) and I work on a fee for service basis. Anyone working on commission is inherently biased. If you meet with some advisers ask how they are remunerated and what restrictions they have on their Approved Product list. An independent adviser (those not owned or licensed by large banks and institutions) will give higher quality advice but may charge more upfront as there are no backdoor commission payments.