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Two pension experts offer their simple but high-value tips on maximising your state pension – whatever age you might be now. How much money might you risk missing out on?

A good employee benefits package is no longer just for big companies. Now smaller businesses are getting in on the act with low-cost benefits that are among the most effective for recruitment and retention. Michael Englefield of Drewberry explains.

Your employer may offer you a benefit known as ‘death in service’, which would pay out to your loved ones if you were to die while employed there. But how does this differ from ordinary life insurance – and is it a substitute?

You have a steady income, you haven’t much debt, you control your spending and you don’t gamble. But are you still taking a huge risk? Becky Sugden, chartered financial planner at Gresham Wealth Management, reveals the invisible threat to your long-term financial security.

You've graduated! That's the hard part over with. Or is it only just beginning? The switch from higher education to the bottom of the career ladder can be a culture shock. Here are some tips to help you go from learner to earner.

Many people take out income protection or critical illness cover to safeguard their finances if they have to stop work due to illness. But a child’s serious illness can have an equally severe impact on your ability to work full-time. Would your insurance cover this too?

There’s no longer such a thing as ‘retirement age’ – you’re simply free to access most pensions from the age of 55. But what if you actually did want to retire at 55? We take a look at what you’d need to make that dream a reality.

A teenager wins a fortune with her first ever lottery scratch card, and must make a life-changing choice. But anyone saving up a pension pot may face a similarly big decision. What would YOU do?

A potential scandal is brewing in the world of defined benefit pensions, which could see tens of thousands of pensioners asked to repay money received in error. There are suggestions that some individuals may be held liable for up to £50,000. Could this really happen, might you be affected – and what could you do about it?

Many people approaching retirement may be unwittingly naming an ex-spouse or ex-partner as their pension beneficiary upon their death. According to a Royal London study, out-of-date paperwork may put current partners at risk of missing out.