In the middle of 2020, I found myself on a video call with five close friends. We had all signed up for the same retirement annuity, which we were now realising was a big mistake.

Finding the right financial adviser can be a real mission and before you look for one, it’s important to understand the environment in which you’re looking.

Why do you save and invest money today instead of spending it?

I suspect, like most people, it’s to provide financial security and peace of mind, ensuring that standards are maintained during your retirement years.