Beyond belief!!! I had taken financial advice and was happy with the advice given to look at 3 pension pots I had - then I heard about Lower My Charges - I went to calculator on the website which was really easy to use but was amazed how much more I could retain if I was to switch to them - the figure it showed I could save was £103,712 - this was in respect to the current on going charges my adviser was charging me. I could not believe it so I phoned the company and it was explained how charges can impact investment performance due to the power of reverse compound interest if taken out of the pension by the adviser over time. The Lower My Charges adviser explained switching does not mean you have cash in your investments or transfer to new ones - all I had to do is sign a simple authority form to change the adviser and inform the product provider my pension was now being looked after by Lower My Charges. I now pay a very low membership cost which does not come out of the investment - have access to an amazing portal so I can see all my investments in one place and I can have yearly reviews and financial advice with no additional cost if and when needed. I cant believe how easy it was to save so much money and everything stays in the same place. I would recommend to anyone who has a financial adviser with substantial pot to do the same.