50 quid is 5 pounds more than 45 Hargreaves. So your decrease in absolute terms point is hard to follow.
Also if Hughes 500 tells his pay rates, it would be respectful to assume that he is lying…
FIs are like any other job: Some are a bit duff, others very professional, irrespective of remuneration. The problem for new students is that they can’t tell the difference because the FI can do lots of things the student cant and BS is initially odorless.
Last edited by Torquetalk; 9th Jul 2023 at 16:18.