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ISAs  |  Cash savings  |  Investments
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Tori High Wycombe Ladies Losing Out

Here’s a quick question for you – we hold nearly all our stuff with Hargreaves Lansdown and over the years have found them stuffy, a bit patronising, expensive and standoffish…not great eh? Am I right in thinking that for a better/newer/cheaper alternative we could look at a Robo Adviser like Nutmeg? Would our money be protected with them?

Investments  |  General Meltdown
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How do I get in touch with a financial advisor to begin an investment portfolio?

General Meltdown
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How do u guys generate revenue for the business?

What fees do u charge and when?

Investments  |  General Meltdown
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Rosie London Ladies Losing Out

I already have an rental investment property – the income from which covers a mortgage for my home and the rental property. I need to decide how to invest between 50 and 70K this year, and I’m thinking of another property, because I ‘get it’ – unlike pensions and stocks and shares. I would need my first buy-to-let mortgage to pull it off. Am I crazy to put everything into property? Thanks!

ISAs  |  Retirement  |  Investments
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How risky is a Stocks and Shares ISA?

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How much does it cost to do a will?

Pensions  |  Retirement
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Keith Southborough Ladies Losing Out

What are the changes with pension annuities? My mother in law has asked as her retirement is looming. I’ve read in the press it’s changing but it all feels confusing. I just need some simple clear advice. Thanks

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John is a chartered accountant specialising in financial services and joined National IFA Torquil Clark in 2003. He became MD of Torquil Clark in 2004 and led the company to four acquisitions in 18 months…full bio

Expertise: Investments, Tax
Ladies Losing Out
This isn’t full-fat regulated capital ‘A’ advice, folks.

Although our Money Owls are pretty smart birds, this site is not regulated and we cannot give you personal, regulated financial advice. This is important because it means that you’re not able to come back for compensation if you act based on what you learn here. Let’s draw an analogy with health. We’re a bit like a magazine, or NHS Online. We hope we’ll give you useful, helpful advice. But it’s little ‘a’ advice, not full-fat regulated Advice. We don’t know your full medical history. Or what tablets are in your handbag. Or if you broke your knee in your 20s. We’re not surgeons who you pay to give you tailored, personal advice. If you want that then have a look at a financial adviser – here’s how to find a good ‘un.

Important stuff!

Holly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice, nor are we regulated by the industry watchdog (although we do talk to them a lot). For every story on this site about a good investment, or something which went up by 10% or made someone £200, we could share a story about a bad investment, something which fell by 10% or lost someone £200. Nothing’s certain when investing so if you’re really unsure, or dealing with complicated stuff like working out what to do with a pension when you retire, we’d really suggest you get some financial advice. Here are some tips on  how to pick a good financial adviser. Or check out Unbiased or VouchedFor. Just remember, commission has been banned now so advisers need to be very clear with you about what you are paying them and when.