In this episode, Vignes (Founder of Plouta) talks with FCA-regulated Independent Financial Adviser Joshua Shepherd about when and why you might consider working with a professional adviser and what it really costs.

We’ll cover:
✅ What’s the difference between independent and restricted advisers
✅ What financial advisers actually do — from pensions and ISAs to inheritance tax and insurance
✅ How advisers charge: flat fees vs percentage-based
✅ When it makes sense to book a consultation
✅ How to find a trusted FCA-regulated adviser

Whether you’re planning for retirement, growing investments, or simply want to make smarter money decisions, this episode will help you decide if professional advice is right for you.

🔗 Read more on our Financial Wellness Hub:
👉 Should You Use a Financial Adviser? What They Do & What They Cost

📲 Discover the Plouta App – Track your money, budget smarter, and plan for financial freedom:
👉 www.plouta.com

🤝 Find a trusted FCA-regulated financial adviser:
👉 Book a Consultation