Going into Drawdown either Aviva or Quilter

dunstonh

Thank you if thats the case there seems very little point paying a 2% transfer and greater yearly management charges ?

There can be if the alternative is a potentially better option.   However, you are looking at a restricted FA option offering their own brand platform and own brand investments.  It is very rare for FAs to be able to offer the best option.    
In an earlier post, you indicated that you thought the adviser was an IFA. That may have been a typo but in case it wasn't, you need to be aware that the adviser is not an IFA.

alan014

Thank you for pointing that out , i understand he is a limited financial adviser rather than independent 

alan014

Many thanks CFW and yes mine seems very similar in terms of it being a work fund and does seem ok and having spoken to Aviva today i do now feel i will leave it in the same funds and avoid the excessive costs .