Financial good health is not necessarily about being wealthy, but about having the reassurance that you’ve planned for the future and being confident that you’ve taken the right steps to make the most of your assets. 

As an early adapter of the Education Champion scheme and having recently connected with a local school to take part in the initiative, I believe that this type of programme can have far-reaching positive effects not just on those individuals who take part, but on the society they enter armed with the proper tools to elevate their standing in the wider financial world. 

The Pensions Dashboard - A central register would show every old pension and perhaps also a link into the State Pension, thereby giving people some inkling of what they might have in their pot now and therefore at least a clue toward how much they might have by the time they look to retire. 

Your attitude to risk and resulting investment choices will change over time. That’s why it’s important to regularly revisit your risk profile and make sure investments are selected to suit your capacity for loss.

Financial advisers come in all shapes and sizes. How do you choose the right one for you? Asking the right questions is the first step.