There is no fee to our financial advisor and never has been down all these years.
Are you absolutely sure? I ask because it isn''t logical. Why would a person or company provide a professional service for years for free?
Again. I don't know the rules in the UK (and, like joemike I am not an advisor) but, depending on how you are invested, you may have been paying via hidden fees that are built into certain types of investment products.
This is a topic worth a discussion with your advisor.
ryck