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How do financial advisers actually get paid? 💡 Here’s the clear breakdown: • ✅ Initial consultation: usually free — a chance to ask questions and see if advice is right for you. • 💡 Protection & mortgages: advisers are paid commission by the provider, and this is always shown in your paperwork. • 📉 Investments & pensions: since 2012, commissions have been banned. Instead, you agree a transparent fee structure with your adviser: • 1–3% upfront: this covers the detailed research, planning, and

Why you should NEVER work with a financial adviser. ❌ That sounds extreme, right? But here’s the truth… If you’re only focused on the cost, then yes — advice might look expensive. But here’s what those fees actually buy you: • ✅ A personalised roadmap – your pensions, investments, and tax position organised into a clear, tailored plan. • 🔄 Course correction – regular reviews so your plan adjusts as life, markets, and tax rules change. • 🧠 Behavioural coaching – helping you avoid costly mistake

Think inheritance tax won’t affect you? Last year it raised £8.2bn. From 2027, pensions will count too. ✅ £325k allowance ✅ £175k home allowance ✅ Couples can transfer these — up to £1m tax-free on second death. Everything else? Taxed at 40%. Always seek advice if you feel you are impacted by this. #moneymindset #taxes #financialliteracy | Gardner Financial Management