Retirement planning a 'focal point'
Robo-advice and flat fees are 'well suited'
Current levels only look acceptable in times of high returns
Younger HNW investors prepared to pay more than over-40s
Data shows small firms are charging less than large firms
Research says that this is not related to affordability
Investors under £50k asked to leave
Which? suggested it should be mandatory for firms to list their advice charges on their websites