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• Getting financial advice

  Getting financial advice This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales There will probably be times in your life when

• Pensions - income drawdown

  independent financial advice from a professional to help you make good decisions about using your pension fund and how it's invested. For more information about where to get advice about your pension, see

• Preparing your finances for retirement

  how much is left to pay on your mortgage (if you have one) - you might want to pay off what's left with a lump sum, but you should get financial advice first get an estimate of your state pension

• Debt and money

  financial advice Getting financial advice Check if a financial service has followed the rules Template letters to creditors Guidelines for using the letter templates Holding letter - ask creditors to hold off

• What you can do with your pension pot

  retiring due to ill health. You should get financial advice before making decisions about your personal or workplace pension. You might have to pay for financial advice but it can save you money long

• How much pension you'll need

  How much pension you'll need This advice applies to England. See advice for See advice for Northern Ireland, See advice for Scotland, See advice for Wales A pension is money you'll use to live

• Income protection insurance

  insurance. For more information about getting financial advice, see Getting financial advice. Do you have enough money to pay for illness insurance? The costs (or premiums) of payment protection insurance

• Problems with selling your home - delayed completion and lease options contracts

  financial advice about other ways to do this. Getting financial advice Next steps If you still want to go ahead with an exchange with delayed completion or a lease options contract, make sure you

• If you want to sell your home and rent it back

  hasn’t followed the rules You can complain to the Financial Ombudsman Service. Check how to complain on the Financial Ombudsman Service website. Get independent financial advice If you're thinking about

• Workplace pensions

  on the market to make sure you're getting the best deal. Find out more about choosing a personal pension. You might also want to consider getting independent financial advice. Finding out about your