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Costs of financial help
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The big question though is 'what is the IFA going to do?'. I had an adviser from St James Place who quickly disappeared when he realised I didn't want an annuity. If he could have invested it surely he would have been trying to get his fees. I don't think investing it is appropriate in the circumstances. If you put the capital at risk surely you are not doing your LPA job properly. That was one reason I was happy to see what a financial adviser would say. I thought if an adviser wants to take the risk he maybe could whereas I wouldn't want to be seen risking their money.0
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