Straight answers
Ten questions that come up before anybody decides whether they need an adviser.
Where the answer depends on your circumstances, you will find what it depends on.
Ten questions that come up before anybody decides whether they need an adviser.
Where the answer depends on your circumstances, you will find what it depends on.
There is no universal number. What the figure actually depends on, and how to work out yours.
Read the answer →Start from the assumption that you should not, and understand what you would be giving up before anything else.
Read the answer →Most can be traced. The three routes that work, and what to have ready before you start.
Read the answer →Sometimes. The guarantees that make an old scheme worth more than the convenience of tidying up.
Read the answer →Three of these questions have a calculator behind them, so you can put your own figures in before you speak to anybody.
Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write. We will tell you honestly whether we can help.