Looking towards retirement, my husband and I have been taking some advice from a financial advisor and have been horrified at the charges on every investment. Are all financial advisors similar? I am guessing they must be because they say you can compare their charges with others. We don't feel confident in taking out investments ourselves, but feel it's all wrong - us going about trying to save on all the little things then having to hand out hundreds/possibly thousands of pounds over the course of an investment. I know they have to make a living but it really seems excessive - and he did turn up in a rather nice little Audi sports car The other side of it is that making the wrong decision could cost us a lot more. Where is the happy medium? Any thoughts please?