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For anyone over the age of 25 in the UK, the national minimum wage is £8.72. The lowest-skilled worker in the country therefore knows, with certainty, what an hour of their labour is worth. How many financial advisers, however, know what an hour of their time is worth? This is an increasingly important question as advisers re-think their businesses models. It is also a growing area of interest for regulators. Charging clients a percentage of their assets under management (AUM) as an annual fee as obvious appeal. It is simple to explain to a client, and the adviser benefits from having a guaranteed, recurring income. Increasingly, however, it does not reflect what advisers actually do. Value