Choosing a financial adviser

Financial advice explained

  • What is financial advice and when you should pay for it
  • The different types of financial adviser
  • The cost of financial advice and how to pay for it
  • The qualifications financial advisers should have

What's in this guide

Financial advice: what it offers

Find out about what to expect from taking financial advice, and how financial advisers can help you grow your wealth and meet your financial goals.

Financial advice: how to find an adviser

The Which? guide to finding financial advice, including the key questions you should ask any adviser before taking financial advice.

Financial advice: how you'll be charged

Learn about the cost of financial advice, the different ways you can be charged for financial advice and how to negotiate the best fees.

Financial advice: types of advice

Which? explains the difference between independent and restricted financial advice, and what you can expect from the two types of adviser.

Financial advice: adviser qualifications

Learn about the qualifications an adviser needs to be able to give financial advice, and what you should expect a financial adviser to have.

10 Questions to ask your financial adviser

Find out more about a financial adviser before committing with this helpful checklist of important questions, covering everything from charges to methods.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.