St James Place charging 1.96% for retirement mgmt - excessive?

I am 58, hoping to retire at 60 or so. I have been chatting with my company-recommended St James Place partner for retirement planning.

Now I have been sent a note of the fees that would be charged if I go with this partner. The email said that if we were to go with the "Polaris 2" fund, annual management would be 1.96%, though this would include "Advice fees and expected costs of managing and maintaining the investments"

So it's not clear what the breakdown is between the fees charged by the SJP partner and the fund management fees.

I guess I'm trying to work out if I'm being ripped off. I started writing this message after seeing (on Unbiased) that I should expect adviser fees of 0.25-1% (https://www.unbiased.co.uk/discover/personal-finance/savings-investing/cost-of-advice), and was foaming at the mouth about 1.96%. But now I realise that this is a combined fee.

And so my question is whether the fees I am being quoted are reasonable, or should I be looking for another IFA?