I am thinking about taking a £45k tax free Lump Sum from my SIPP and was wondering what a typical charge by an IFA would be to do this? My current IFA is telling me 3% on the total Crystallised (?) amount (ie £180K) which works out at £5,400(?). Which is around 12% of the £45K! It seems quite a high amount to me, has any one any idea what a typical percentage an IFA should charge to do this?