It's that difficult conversation that no one wants to start, and this phrase starts it off badly! "Have you made a mistake?" That's guaranteed to ensure that the conversational shutters are put up and securely locked! "Move on - nothing to see here!"
My day job is talking to people who have been victims of financial mis-selling: usually they have been persuaded to move a perfectly good pension arrangement - into a less than perfect one. And they don't want to talk about it - at first.
So how to handle that conversation? Well I begin from the starting point of an old mentor of mine - Tony Wilson. He told me this, "There are only two possible experiences in life for positive people Ken 'Good Times' or 'Lessons'.
Therefore, when I am sitting in someone's lounge, and they have their head in their hands, saying sadly, "I don't know why I agreed to do this Ken", I very quickly point out a number of key points. They are not alone, they are not the first and will not be the last, the advice was either intended to deceive - or simply unfortunate: but irrespective of all of that, the sooner we take control of finding a solution, the sooner we engage with a 'lesson' that will quickly lead to 'good times.'
Whatever has gone wrong, I will do everything in my power to put them back to the position they should have been in - ie. if they had never taken the poor advice.
But this isn't simply about me handling claims for folk who have had bad pension transfer advice. there's a lesson for everyday life here. The sooner you take action to take control - the sooner you turn "Lessons" into "Good Times". So whatever the issue - seek out the relevant qualified professional (get a personal recommendation if you can) and deploy their skill to your benefit.
Your LinkedIn network might just be the very place to start to reach out for the expertise that you need.