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Just out of interest. Did the companies you went to recommend different pension providers? ..
What were their reasons for picking said provider?
What were the projected figures for the pensions (which take account of the charges)? (was one higher than the other)
Personally... at 25, if I was getting an advisor, i'd pick one that seems like we'd get on better and would happily speak to me for a little longer than he has to and is honestly, really, 100% working for your best interests, and not to old as you might want to stick with him for years to come.I work in finance
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