Find the answer you need.

Practical explanations for the decisions ahead. Search by question or explore a topic.

A good place to start.

Three useful routes into the decisions ahead.

Choose with good questions.

Understand the service, check the firm and make the first conversation useful.

Choosing an adviser

See what the fee really means.

Turn percentages into pounds, explore the research and compare written quotes.

Understanding advice costs

Plan the life ahead.

Bring your pensions, income needs and retirement questions into one conversation.

Retirement and pensions

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198 articles

Retirement and pensions

Bridging the gap before State Pension

Plan for the years between stopping work and receiving State Pension income.

Saving and investing

ETFs and traditional funds

Compare dealing arrangements as well as the investments held inside.

Protecting your finances

Life insurance in trust

Understand the records and responsibilities trustees may need when a claim arises.

Family and inheritance

Joint property and your will

Check how the form of ownership affects what happens to a home.

Retirement and pensions

Comparing fixed-term annuities

Look at both regular income and the amount available at maturity.

Saving and investing

Cash reserves before investing

Weigh everyday commitments and unexpected costs before choosing an investment amount.

Protecting your finances

Increasing life insurance cover

Compare changes in the insured amount with changes in premiums.

Family and inheritance

Your household financial handover

Create a usable record of accounts, contacts and responsibilities.

Retirement and pensions

Tax on a first pension withdrawal

Understand why the initial deduction can differ from the final tax bill.

Saving and investing

E-money safeguarding or bank protection?

Identify the type of account and the protection arrangement behind it.

Protecting your finances

Increasing life cover after a life event

Check existing policy options before arranging extra protection.

Work and business

Saving when your income varies

Build a long-term plan around changing monthly earnings.