My take is the problem is many “Advisers” are being paid commission to flog financial products, so they are acting in their own self-interest rather than their clients best interest. Transparency is key. My Adviser is only paid by me (all clearly documented) he doesn’t get a penny in commissions from the financial services industry. In my QROPS I have a low-cost investment platform and portfolio, no hidden fess. I know he is sitting on the same side of the table as me, working in my best interest, and with no conflicts of interest. We transferred my pensions to a QROPS just when covid was getting going, and I have been very happy with the investment results and everything that he has done. He is an experienced safe pair of hands. Highly recommended by a friend and he has absolutely met my expectations.