What to look for
- Fee-only or fixed-fee tends to be easier to understand.
- Percentage-of-assets pricing can be fine, but users should know the long-run drag.
- Commission should be understood clearly before any decision.
Know when DIY is enough — and when a professional should be in the room.
This page is for confidence, not fear. The job is to show users what kind of help they need, how advisers get paid, and where to find safer directories in each region.
Do I need an adviser?
Use the sliders. If complexity goes up, the page should gently tell the user that professional help can be worth paying for.
Assets / complexity
Tax complexity
Family / business factors
Need score4/10DIY with educated checks is still reasonable.
Adviser typeFee-only plannerStart with holistic planning, not a product sale.
Questions to ask4 key questionsFees, regulation, conflicts, and implementation.
Find safer adviser routes
What should worry users
- Pressure to buy quickly.
- Unclear regulation or evasive answers.
- Product-first conversation before goals and tax context.
- No written fee schedule.
Useful questions
- What regulation are you under?
- How are you paid, exactly?
- What would you fix first in my structure?
- What can I do myself before paying for more help?