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The (relatively!) youthful Adam is a self-described Finance Nerd. He’s a Chartered Financial Planner and a fellow of the Personal Finance Society (blah blah blah). More interestingly, he works primarily with up and coming…full bio

Expertise: Pensions, Saving for a property
Rebellious Renters
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.