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    Questions to ask a financial adviser

    A short checklist before you hand anyone your money.

    By the Happy Wallets team·Updated June 2026·3 min read

    Ask these

    • Are you independent or restricted?
    • How exactly are you paid?
    • Are you authorised by the FCA — can I check the register?
    • What are the total costs, including ongoing charges?
    • What happens if I want to leave?

    Frequently asked questions

    How do I check an adviser is genuine?+
    You can check whether a firm or person is authorised on the FCA Register before you commit.
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