For anyone paying for financial advice

Find out how your adviser actually gets paid.

Commission, fees, claw-backs and the charges that never appear on a statement — explained plainly, with the ten questions that get you a straight answer.

In this free guide:

• The ways an adviser can be paid — and which ones you never see
• Where the incentive sits in each model, including the one you’re probably using
• Claw-backs: why leaving an adviser can arrive as an invoice
• The four separate layers of cost most people add up as one
• Ten questions to ask before you hire anyone — and what a good answer sounds like

Worth knowing: I’m a financial planner, so I’m describing my own industry and I earn from advice. The guide says so on its first page, and invites you to put all ten questions to me as well.