I'm thinking of moving into a drawdown SIPP, taking my 25% and leaving the rest invested until I need a regular income in my mid 60s. I am trying to find a financial adviser willing to review my plans, but they all want an ongoing relationship. Where can I find an adviser who will do a one off review? Also I am unsure whether financial investment protection is per fund or per SIPP.

Susan | London | 16/07/2019 | 1

• Private Pension
• Pension
• Workplace Pension

I can't decide between getting a Junior ISA with a robo investor like Wealthify, or investing via Interactive Investor with an investment trust for my son's JISA. I want to invest ethically and am happy to research investment trusts myself. The fees seem similar and both have fund managers. What should I do?

Rick | Sussex | 01/07/2019 | 1

• Junior ISA
• Ethical Investing

I have a small pension which I have not drawn on yet, and I am seriously thinking about cashing it in, as I’m worried Brexit will mean substantial losses. Would I be better off just leaving it where it is?

Anne | South Yorkshire | 19/06/2019 | 0

• Pension

My son has a savings plan with Witan Jump that is now being closed and transferred to Hargreaves Lansdown. However, Hargreaves informs me that I cannot transfer all the money (£26,000) into a Junior ISA account, because it's more than the £20,000 yearly ISA allowance. I would like to keep the remaining money invested, but would appreciate some advice as to how I could invest it for my son.

Isabella | Kent | 19/06/2019 | 0

• Junior ISA

I have put the full allowance into my daughter's JISA. If for some reason I passed away, would the amount over £3000 per year be liable for inheritance tax?

PB | Derby | 18/06/2019 | 1

• Junior ISA
• Inheritance

How can I find out how my Aviva SIPP pension is performing against the competition? I'm 51. The fund value is £161K and it was opened a year ago. Appreciate any tips.

Danny | London | 30/05/2019 | 1

• Private Pension
• Pension

I'm in my late 30s, have a mortgage, a baby, no outstanding loans or credit cards, three pensions, and two Cash ISAs. I’d like to invest to renovate our house, help fund our children’s education and help them onto the property ladder, and retire as soon as possible! I considered a LISA but thought I might be better paying off more of the mortgage. I'm also confused about using a platform for a Stocks and Shares ISA. Any advice would be appreciated! Keep up the good work, I’m impressed with how refreshingly approachable your website is.

Nick | Berkshire | 29/05/2019 | 2

• Stocks and Shares ISA
• Junior ISA
• Lifetime ISA
• Pension
• Mortgage

Hello, I already have a workplace pension. Can I also have a private pension? If so, I have a LISA as well. Can I have all three in place?

Precious | Surrey | 23/05/2019 | 0

• Private Pension
• Lifetime ISA
• Pension
• Workplace Pension

I am a self-employed 55 year old, with only a state pension. What can I do to increase my money for retirement?

Sandra | Dumfries and Galloway | 21/05/2019 | 1

• Private Pension
• Stocks and Shares ISA
• Lifetime ISA
• State Pension
• Pension
• Workplace Pension

I currently have a Stocks & Shares ISA and a Junior ISA with Wealthsimple. I am considering changing these to Vanguard, but I am unsure if transferring across providers is a simple process. Also can you only pay into one of each type of ISA per year?

Philip | County Antrim | 21/05/2019 | 1

• Stocks and Shares ISA
• Junior ISA

We have just retired to France. Our pensions cover our expenses but we also have £230k which we would like to invest for a monthly income. Could you please explain the low-risk options we might want to consider?

Keith | France | 10/05/2019 | 2

• Private Pension
• Stocks and Shares ISA
• Online Investment Platforms
• Pension

I have a young boy who will be turning 4 this month. He is British. I want to save some money for this innocent boy, for when he comes of age, but I live in Uganda and I am not in touch with his mum. Can I open a Junior ISA for him?

Dennis | Uganda | 11/04/2019 | 0

• Junior ISA

Our 16 year old son has inherited a significant sum. He wants to go to Drama School and pursue a career in acting, which we know means he is likely to be low paid/short of cash. I wondered how best to help him organise his savings/investments to help fund him through drama school/the early years, whilst trying to discourage him from simply dipping into his capital?

Mo | West Sussex | 04/04/2019 | 4

• Stocks and Shares ISA
• Junior ISA
• Inheritance

Where can I get a good Junior ISA?

Rebeccah | Greater London | 27/03/2019 | 2

• Junior ISA

When I retired in December 2018, I considered consolidating my pensions for income drawdown, but it meant handing over management of the investments. After viewing the performance of the funds the Standard Life Active Retirement pension invests in, I hesitated. Recently I spoke to an advisers aligned to the investment philosophy of Albion Strategic Consulting headed by Tim Hale, but was scared off again by the messages regarding DIY investor dealing with re-balancing, sequencing, and lack of ability to stress test without the correct professional financial software, in addition to the high costs. I understand the basics, but am now totally unsettled as to the direction I should take and if, at such a critical stage, I should invest in an IFA on a regular basis. I appreciate you cannot give me direct financial advise but I am finding the whole event very disconcerting, when I thought I had the basic acumen to manage the transition.

Rob | Hertfordshire | 20/03/2019 | 3

• Private Pension
• Pension

If my son increases his pension contribution, I have read it may affect the amount he can borrow on a mortgage. Is this correct? Should he take a SIPP out as well? Is there any advantage in maxing out his managed Nutmeg Lifetime ISA in the next financial year?

Richard | Hertfordshire | 06/03/2019 | 3

• Private Pension
• Stocks and Shares ISA
• Lifetime ISA
• Pension
• Mortgage

I am 65 and still working. I have a workplace pension, which was closed and replaced with a retirement saver pension. I contribute to this via salary sacrifice. I also have a personal pension serviced by an IFA. Should I move my personal pension fund to a SIPP provider at this late stage of my life? I would like to consolidate the workplace retirement saver and personal pension fund together and manage it myself.

Den | South Yorkshire | 27/02/2019 | 0

• Private Pension
• Pension
• Workplace Pension

I’m 36 years old, earn £85k, and have about £40k savings in the bank, mainly in an old ISA that I’ve done nothing with. I have a five year old daughter and would like to put my savings somewhere clever so they start to do something useful by the time she starts at an independent secondary school and fees go through the roof. Any bright ideas please?

Milly | Berkshire | 22/02/2019 | 2

• Stocks and Shares ISA
• Junior ISA
• Shares
• Online Investment Platforms

Trying to get a bit more pro-active with my pension. If my money had been in an online managed fund like Nutmeg for example, is it reasonable to assume that as the markets fell last year the funds would have been managed in real(ish) time to limit the damage? If so, is it therefore a no-brainer to transfer my pension to an online managed pension or is it not quite as simple as that?

David | London | 08/02/2019 | 3

• Private Pension
• Robo Adviser
• Pension

Hello, I really enjoy your website and find it useful and concise. My question is, what is meant by long term savings? I am 54, so what should I consider to be an appropriate time frame for any investment I make, that could supply the best results?

Jennifer | Essex | 16/01/2019 | 10

• Online Investment Platforms
• Funds
• Pension

I have an old pension and they have written to me saying that they are going to enhance my pension if I transfer it out. The company is also offering free independent advice. I have £117,000 in the pension at the moment, which would give me £6400 a year at 65. I am 61 in April and would like to finish work at that point. I am not sure how much extra they will give me. Have you any ideas or suggestions to help me decide? Thanks.

Nicholas | Carmarthenshire | 04/01/2019 | 0

• Pension
• Workplace Pension

My wife and I have recently separated. The equity in the house is going to be split 50/50. We don't have any other meaningful assets. We have agreed to co-parent the children equally. My wife is requesting that I pay child maintenance, child care and school expenses. A CMS document states that shared child care results in no child maintenance payments. However, I do agree with the child care and school expenses payments. Our daughter has Autism Spectrum Disorder, so my wife gets a Disability Living Allowance for her and also works full time. If I don't pay the child maintenance, child care and school expenses, my wife is threatening to claim spousal maintenance, and take half my pension. Should I pay the £350/month or take my chances in court?

D | Lincolnshire | 03/09/2018 | 0

• Pension
• Other

I am 73 and cautious. There are two areas that your advice would be helpful..what if you just spend thousands on buying the gold standard footsie companies like shell and the rest and keep them for five years and then cash them in ?

DB | UK | 24/07/2018 | 6

• Robo Adviser
• Online Investment Platforms
• Funds
• Pension

My wife needs to set up a SIPP with a good value, low cost, low maintenance underlying investment portfolio. We want a good mobile app from a well respected provider. Where can we see the options and directly compare historic returns so we can make a decision?

Guy | HRT | 17/07/2018 | 1

• Private Pension
• Pension

Hello Are there any specific pensions you would recommend, with low charges, which I can set up for my 11 yr old son? I am already paying the maximum into a Junior ISA. Anita

Anita | West Sussex | 18/06/2018 | 3

• Private Pension
• Junior ISA

I was considering applying for Individual protection 2016, which I understand would give me an LTA of £1,021,390. However, following the Inflation rise of LTA, it seems the LTA is now at £1,030,000. It now seems pointless applying for Individual protection 2016. Have I got this right?

David | LDN | 12/06/2018 | 0

• Pension

If I take a lump sum from my pension at age 55, what is the rate of tax after the first 25%?

Judy | UK | 17/05/2018 | 1

• Pension

Can I move an old Child Trust Fund?

Suzanne | Greater London | 08/05/2018 | 0

• Junior ISA

How long does it take to release money from your pension at 55 years old?

Diane | WYK | 01/05/2018 | 1

• Pension

I would like to open a Junior shares ISA for my Grandson for about £50/month. How do I go about it and can you recommend some reliable companies?

Roger | Surrey | 26/04/2018 | 2

• Junior ISA
• Shares

Do you have information on taking your pension pot before retirement? My husband is 62, on a final salary scheme & is trying to get clear information on it.

Jo | 17/04/2018 | 3

• Pension
• Workplace Pension

Hi, I've got an old D.B. pension, approximate value £12k. I would like to invest & top up each month. Who would you recommend? Also I would like to make an investment, & don't know where to start? Thanks

Eve | 04/04/2018 | 5

• Funds
• Pension

My question is about my wife's pension valuation in a divorce situation. She is on a final salary scheme working for a national charity organisation. I feel the CETV value is too low and certainly does not take into account the inbuilt benefits such as guranteed final salary, life insurance.

Jay | UK | 12/02/2018 | 0

• Pension

I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?

LL | Norfolk | 06/02/2018 | 2

• Private Pension
• Pension

Hi, If I take a lump sum from my pension at age 55, what is the rate of tax after the first 25% ??

Gareth | Hampshire | 26/01/2018 | 0

• Pension

I am very lucky to have just received a gift which I want to invest for our retirement. My husband and I aim to retire in around five years. We have 11 more years of school fees to fund, then hopefully university fees for two after that. I've put together a plan for us - can you have a look and see if it makes sense?

Fiona | UK | 18/01/2018 | 6

• Private Pension
• Stocks and Shares ISA
• Junior ISA
• Shares
• Cash
• Online Investment Platforms

Can losses in a pension SIPP be offset against anything?

Henryk | Hampshire | 17/01/2018 | 0

• Private Pension
• Pension

We have four grandchildren (2 English living in UK, and 2 Irish living in Eire). We have decided to start savings plans for their futures. Their ages are 18yrs, 11yrs, 8yrs and 4yrs respectively. My age is 75yrs, and my wife is a little older. What should we do, please?

John | Buckinghamshire | 01/01/2018 | 1

• Junior ISA
• Lifetime ISA
• Shares
• Funds
• Inheritance

I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?

LL | Norfolk | 10/11/2017 | 2

• Private Pension
• Shares
• Pension

If I were retired and drawing my pension, can I earn an income from doing some sports coaching too? If so, how much can I earn without it affecting my pension? Thanks

Charlotte | Devon | 07/11/2017 | 0

• Pension

I have a delightful 12 year old daughter and she has just opened her first bank account. I am dreadful with money but I would like to know what I should teach her so that she does not pick up my bad financial habits. Do you have some top tips of things to teach our children so they are wise and responsible with money please?

Louise | Greater London | 11/09/2017 | 1

• Junior ISA
• Shares
• Cash

Please help me. Choosing a pension from Aviva. It asks if I want growth or income? Which one do I choose ? I'm 46 .

Ria | Greater London | 11/09/2017 | 8

• Private Pension
• Pension

Why should I bother with paying into a pension at my age of 55 years now when I have never had one?

Tee | Greater London | 07/09/2017 | 4

• Private Pension
• Pension

Can I sort a pension out myself online?

Sharon | Greater London | 07/09/2017 | 0

• Pension
• Workplace Pension

What might a savings pot of £100,000 get me as a retirement income?

Aboodi | Greater London | 06/09/2017 | 1

• Pension

Pensions vs ISA - which one is best?

Roderick | Greater London | 06/09/2017 | 0

• Stocks and Shares ISA
• Junior ISA
• Lifetime ISA
• Pension

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

Keith | Greater London | 06/09/2017 | 2

• Private Pension
• Pension