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Why you should NEVER work with a financial adviser. ❌ That sounds extreme, right? But here’s the truth… If you’re only focused on the cost, then yes — advice might look expensive. But here’s what those fees actually buy you: • ✅ A personalised roadmap – your pensions, investments, and tax position organised into a clear, tailored plan. • 🔄 Course correction – regular reviews so your plan adjusts as life, markets, and tax rules change. • 🧠 Behavioural coaching – helping you avoid costly mistake