Choosing an independent financial adviser

It is interesting the difference between having the choice of a range of
products from an independent financial adviser and going to a bank, which
is committed to its tied products. I am considering a long-term product,
a pension. There is a bit of hoping and seeing. There are no guarantees,
just a realm of possibilities. The Nat West brochure offered me the
princely sum of £60 a month in return for quite a bit of saving. Perhaps,
the 1.5 per cent charge is quite high. I would be more comfortable with
a charge of 1 per cent.
National Westminster is part of the Royal Bank of Scotland (RBS) group.