Your pension is your source of money in retirement. These are long-term investments that are your livelihood in retirement.

Search for an adviser who has confirmed that they work with pensions & retirement.

If your savings goal is more than five years away, putting some of your cash into investments could allow you to earn more from your money and keep up with rising prices.

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Unsure about Income Tax and National Insurance? Don’t know what the National Insurance threshold is? Need advice on how your money will go to your children?

Search for an adviser who has confirmed that they work with tax & trust planning.

Protection insurance can be a valuable safety net for you or your family, should you become ill or die. However, in some cases, you might find you already be covered in some way either as part of your work benefits or through the state.

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Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to get it right.

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Arranging to formally manage someone’s money for them is a big step – both for you and the person you’re helping. It means that at some point, now or in the future, you could have complete responsibility for their finances and their interests.

Search for an adviser who has confirmed that they work with long term care.

If you own your own home and are 55 or over, equity release could provide you with a lump sum or additional income. Equity Release describes a range of products that allow you to release the equity (cash) tied up in your home without moving. The products have no fixed term and allow you to stay in your home for the rest of your life.

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Firms using a secure digital portal to onboard and communicate with their clients to ensure the security of your data.

Workplace pensions are changing. By 2018, all employers must automatically enrol eligible employees in their pension scheme unless they opt out.

By aiding in the design of a pension scheme and choosing a provider, auto-enrolment specialists can assist by making sure your business is prepared for auto-enrolment.

Business planning is about results and is useful for small, large, new or established businesses to prepare for future problems and opportunities.

Every business needs a plan for the future. Business planning specialists can help greatly in this regard, answering questions including 'What do I need to do to optimise my business' growth?' or 'What's the best way to start up a new business?'

Lifetime cash flow planning can be extremely useful in forecasting how different financial situations will affect you in the future.

By taking into account your current situation and using forecasting tools, cash flow planning specialists can help you answer questions such as 'Could I afford to retire early?' or 'How much could I draw from my pension each month and not run out of money?'

Divorce can be an emotionally testing time not only due to family situation, but to the complex laws surrounding it.

Divorce specialists understand this and take care to take you through the process with compassion and efficiency, while helping to put your mind at ease regarding any financial or custodian concerns.

Equity release allows those over 55 to access their property's value for more cash in retirement, but note that this is an expensive lifetime commitment.

By calculating the end result based on your mortgage amount, interest rate and policy term, equity release specialists can be helpful when asking questions such as 'Is equity release right for me?' or 'What method of equity release should I take?'

Inheritance Tax (IHT) is a tax on the estate of an individual who has passed away.

IHT can potentially cost relatives a lot of money in the event of a death, but Inheritance Tax specialists can help you answer questions including 'Am I exempt if I'm married?' or 'How much Inheritance Tax would I have to pay?'

There are a number of different investment types, including bonds, collectives, commodities and more.

Each of these types have different rules, and getting in touch with an investment specialist can help you decide which kind of investment is best for you, whether saving for a home, wedding or generally investing in your future.

The likelyhood is that you've got insurance on your home, your car or maybe even your pets. It is less likely that your income or life is insured.

Despite being so important, we often overlook insurance of vital aspects such as these. Insurance & protection specialists can help you decide on the type of insurance policy you might need, depending on your current personal circumstances.

When it comes to getting a mortgage, this can be one of the most challenging and complicated financial processes.

Whether you're a first time buyer, looking for a remortgage or to purchase an additional property, this is where mortgage specialists excel in giving you the most appropriate advice.

Transferring a pension could potentially have huge financial implications. The different pension schemes and their benefits must be considered before a decision is made.

For this purpose, sound advice from a pension transfer specialist can help you answer difficult questions like 'Will it be more beneficial for me to transfer my pension?' or 'What pension scheme would be the best for me?'

In what can sometimes seem a bit of a maze, working out what route to take while still working can help prevent a lot of stress later in life.

You may hear a lot about workplace pensions, SIPPs and NESTs, but with a good retirement planning specialist, you can be sure that at least you and your family will be well looked after in the years to come.

While tax can sometimes be seen as a burden, it must be remembered that tax contributes towards a lot of good throughout society.

While tax is taken to pay for numerous public services, there are also measures in place to receive tax relief in many different ways. Tax planning specialists are well versed in these areas, and can help you find out where you can save a little money to help from day-to-day.

Trusts are arrangements where assets are held by someone for the benefit of another.

Trusts may be created for many reasons including dependants, illnesses, life insurance or more. Trust planning specialists can help answer questions such as 'How do I set up a trust?' and 'How practical would it be to set up a trust for my dependants?'

No matter how much money you earn, if you are not spending or investing it wisely then you'll likely run into trouble at some point.

Wealth management specialists can offer expert advice, especially to high net-worth individuals or businesses, on how best to manage your money to achieve your long-term financial goals.

Firms who have been confirmed as Independent can advise you on products from the whole of the market.

This means they are able to provide you with the best possible deal.

For a firm to be Chartered Financial Planners is for them to be among the gold standard of financial advice firms in the UK.

Chartered financial advisers are among the most experienced and most qualified in the industry.

Please be aware though, not every adviser in a Chartered firm is necessarily Chartered themselves.