A new survey by Which? shows that, despite the requirements for UK financial advisers to be clear upfront about their charges, many of them are not. More than half of the advisers surveyed failed to say how much they charged before meeting the customer. The way they charge clients can also be confusing, too: fees ranging from as low as 0.5% up to an eye-watering 5%; hourly rates ranging from £75 to £400/hour; and a wide range of fixed one-off fees. Which? says financial advisers should be compelled to reveal their charges online; but until then, how should investors decide which adviser to entrust with their money?