With-profits policyholders often face an impossible choice about when to take their benefits. Turn down today's offer and tomorrow's may be lower. How can you decide when it's time to leave?

'Pension recycling' allows people to boost their retirement pot by generating extra tax relief - but anyone tempted risks a financial penalty if they overstep the rules.

Retirees can now find more flexible income from drawdown, multi-asset funds and so called 'third- way' products that combine annuities and exposure to the stock market.

Our pensions are changing - radically. Some say for better, others for worse. We say, make yourself as best informed as you can be with a copy of this super free guide.

Death is unavoidable – but the way we are laid to rest is still largely in our control. We examine the key decisions you need to make on a funeral.

Many people put off thinking about their mortality. But there is vital paperwork to sort out before your time comes to an end.

I feel like my aunt gave her solicitor power of attorney as a friend and now she is unable to understand he is charging her. I disagree with his actions, so what can I do? Lawyer Fiona Heald replies.

We explain forthcoming changes to the state pension age, so you can find out when you will be allowed to retire

This is Money columnist Steve Webb and lawyer Fiona Wood jointly tackle a reader question about shamming a divorce to dodge tax. Find out the pitfalls here...

Gaynor Seymour, pictured with husband Andrew, lost state pension credits over an innocent paperwork error - but she can prove she looked after their daughter during the disputed period, she says.

In a stinging report, tax officials said people 'can easily disadvantage themselves' in a system that 'appears illogical', and told the Government to find a way to restore lost credits to parents.

I have four other siblings but I'm the only child who still lives there. I have never lived anywhere else and consider it my home. Lawyer Bonita Walters (pictured right), of Clarke Willmott, replies.

How much do I need to be saving into my pension to achieve this, assuming I achieve returns of 7% a year and that I live until 85. Financial planner Kay Ingram (pictured left) replies

Do I have to give him a formal dated letter to prove it was a gift and when the gift was made? Can you suggest a format? Lawyers Jennie Pratt and Jack Burroughs of Ashtons Legal reply.

I had an £84k pension but cashed it in when I was 55 to pay off debts. Since then, I have come into an inheritance so I have £420k in savings and have rejoined my company's pension scheme.

Equity release customers could have been given the wrong advice it has emerged, as the City watchdog confirmed it is looking at mortgage lending practices to older borrowers.

It is feared that equity release could soon echo the PPI mis-selling scandal which has rocked Britain in recent years. Experts last night said the industry was 'ripe for mis-selling'.

Eric Lewis-Leaning discovered last month he was paying £19.95 a year to a company called 'CBA Malwarebytes' via his credit card, despite not owning a computer.

The newly re-elected Government now has a majority that gives it the opportunity to solve major issues affecting retirement finances. Here's what you need to know.

The average person has 11 jobs in their lifetime, so it is no wonder two in three Britons have more than one pension pot. The industry has long discussed launching an online pensions dashboard

After meeting workers fleeced of their futures in the scandal, the now Prime Minister, pictured with victims with David Burgess, left, Sue Flood and Micky Nettle, pledged to take up their case.

Pat Savage, 73, has been waiting since October for a compensation payment of around £3,500. The retired construction health and safety manager bought a standard annuity with the Prudential when he retired.

Some of the taxes we currently pay and a number of the tax breaks we are given to encourage us to save for old age are either too onerous or far too complicated.

Reputable firms don't encourage savers to take money out of pensions before they are 55, in the form of a loan or any other kind of cash payout, due to the stiff tax penalty.

Sweeping reviews of pension calculations have uncovered tens of thousands of errors that have seen pensioners overpaid, and underpaid, for decades.

Of those who start drawing an income, just two out of five do so immediately. Among those who wait, 40% put it off for at least half a year, and 24% delay for more than a year, says Hargreaves Lansdown.

Spouses whose partners die intestate are to receive at least the first £270,000 of their estate from 6 February onward.

Which? found 77 per cent of 1,500 people surveyed in the UK held either one account or several with the same provider, leaving them stuck during online and mobile banking hitches.

Former prison officer Paul Davidson, 62, pictured, was forced to retire early in 2012 after he suffered a breakdown. He spent a month in a clinic and his wife had to give up work to care for him.

Insurer Royal London says the hundreds of people who take early retirement every year due to work-related sickness could find themselves in breach of their annual pension saving allowance.

Some pensioners, such as Royal Navy veteran Arthur Mullett (pictured) and former Royal Mail delivery driver Chris Slaytor, have refused to accept the huge shock bills, they received after mistakes were made.

Former Army Major Adrian Furnival, pictured with wife Sheila, will soon have £70 stripped from his £260 weekly pension - yet was only told about the cut in February 2018

I feel aggrieved my inheritance is going to be £25k while my brother will likely get £975k from my father in addition to the £4m in properties he's already received.

There's enough money to keep up with my mum's care home payments until Christmas. I'm keeping the heating switched off and have cut down on groceries to try to save some extra money.

With the smell of a spring Budget in the air comes the rumour of yet more restrictions on the tax relief available to boost our pension saving. But how will Mr Sunak treat pension savers?

Proposed changes to inheritance tax could make it more costly to help children onto the housing ladder, with a proposed 10% tax levied on sums above £30,000 given away each year.

The controversial investment-linked insurance policies were popular decades ago, but have since been all but abandoned by customers and firms after an explosion in complaints.

One financial advice firm has told how its premiums rose from £3,700 in 2009 to £45,000 in 2019. Another adviser says premiums jumped from £22,736 in 2017 to £112,000 in 2018.

Vanguard says the new self-invested personal pension scheme is designed to cut the 'cost and complexity' of saving for retirement.

There are 18 providers offering 74 deals - up from just 36 this time last year. The average interest rate charged has fallen slightly from 3.5 per cent to 3.47 per cent , according to moneyfacts.co.uk.

Five years after the introduction of pension freedoms, the Association of British Insurers is warning that many middle-aged savers may not be doing what's best with their pension pots.

After the failure by UK authorities to take action, campaigners have launched a private prosecution on the Costa Blanca where many of the rogue schemes now operate.

A selection of Steve's top columns can help you avoid being scammed, understand the mysteries of the new state pension, and gain peace of mind by making the most of your pension savings.

The £980 cremation service is aimed at people wanting a budget or unconventional send-off for loved ones. Ashes are returned to a family, who can then mark a death at an affordable price.

According to the Office for National Statistics, 11 per cent of private sector workers who have a pension are in a generous final salary scheme. This compares to 92 per cent in the public sector.

Barry O'Dwyer, chief exec of insurer Royal London, said the catastrophic rout caused by the coronavirus could mean some people nearing retirement age no longer have enough money left to live off.

The guarantee should be abandoned to ensure the economic recovery from the coronavirus crisis is fair to working-age households, says the Social Market Foundation.

So far they have cheated victims out of £2 million, using the fear of Covid-19 to launch a wave of scams that experts describe as 'sick'. We advise you on how to thwart the fraudsters.

Registering lasting power of attorney might start taking longer than the usual eight weeks during the current crisis, but official oversight body suggests some temporary workarounds.

Sainsbury's customer Rose Knight, from Surrey, who drove ambulances during World War II air raids, has been unable get food dropped off at her home, despite frequent attempts.