This was my answer I am not sure what type of advice you would like us to give you but the short answer is that you will pay for the fee, probably out of your pension pot Some people may try and hoodwink you by saying the fees are paid by the product provider but that is just a play on words because there is only one pot of money from which fees and charges can be taken and that is your own. If you like to dig a little bit deeper into fees please read the other FAQs or contact us for our fee schedule. Finally, I will obviously be pleased to chat and explain our fees and explain how we work and don’t forget, there is no cost to dip your toe in the water