How are the fees and charges calculated?

Also In this section:

• How are the fees and charges calculated?

• Are your charges competitive?

• What happens if I choose not to go ahead after the initial advice?

• Are your fees fixed or percentage based?

• Can restricted advisers access a wide range of pension and investment products?

• Is restricted financial advice still unbiased and regulated?

• Do I need financial advice before withdrawing my pension early?

• Do I need financial advice?

• Any advice on how to grow my pension faster?