Most people think financial advice is only for the wealthy but that’s not the case. 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 financial adviser, what it really costs and how they can help you achive finanical independence.

What you will hear in this podcast:

✅ 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.