the dangers of execution only business
I see nothing wrong with a person getting financial advice eleswhere and placing their business on discounted terms through an execution only broker.
The person(s) who gave the free advice might not be happy but there you go.
Didn't Niall Brady hint at this yesterday - at least the healdine writer did. Get a factfind completed, identify your needs. The fact find is free and you're under no obligation, needs are identified, solutions recommended.
The only thing a fact find doesn't tell is is where you should purchase such products. If you can get the exact same product cheaper elsewhere then shouldn't you be told about it?
No point having a factfind if the conclusions are wrong.