NATIONAL INSURANCE

Millions of pounds is languishing in old, forgotten and lost pension pots. You can use the Pension Tracing Service to track these down at gov.uk/find-pension-contactdetails, or call 0345 6002 537. Seeking expert help with your finances, whether now or when it’s time to cash in your pension savings, will cost you. But it could also save money by ensuring that you don’t pay a disproportionate amount of tax, or by simply helping you to invest in the most suitable products. Find an independent financial adviser near you via unbiased.co.uk. Also, don’t forget to use your free guidance session from Pension Wise. It’s available to anyone over 50 who has a defined contribution (ie not a final salary) pension.