In this episode of Morning Drive on Mira Business FM, presenter Tim Elliott sits down with Independent Financial Consultant James Thomas to tackle the awkward question many clients are too afraid to ask: how are financial advisors remunerated? James explains why transparency is a vital red flag for any investor and why the "initial introduction" is the most important part of any professional relationship. They delve into the difference between independence and being tied to specific companies, ensuring you have the right financial direction for your future.