This is anything offered in addition to financial education and can only be provided by firms and individuals authorised by the Financial Services Authority (FSA).
The cost of providing access to independent financial advisers (IFAs) for staff can vary depending on the number of employees and type of advice chosen, however, employers can offer up to £150-worth of pensions-related advice tax free per employee a year. IFAs typically work for a set fee, or on a commission basis.