Q. My father took out an equity release scheme on his home about 3 years ago. He has three children, myself and my two brothers. All three brothers were consulted at the time by the financial adviser who set this scheme up. It now appears that my younger brother, unbeknown to my elder brother and myself,… Read more »

Q. I have a Lasting Power of Attorney (LPA) to look after my Mothers financial affairs. She is 85 and up until recently has been fiercely independent. She lives in her own home which is owned outright. With her health starting to fail I have started to use the LPA to take over the running… Read more »

Q. I am a member of the NHS Pension scheme, and I am 56. I intend to retire when I am 60, but I have a personal pension plan which I want to draw upon next year, when the rules governing personal pensions change. Is there anything I should be aware of? A. You could draw your… Read more »

Q. I have been told it is now possible to access my personal pension fund as a lump sum. I am 52 and could do with the cash. How do I go about this? A. There are two issues here. The Chancellor has announced a change in the rules from next April, which means that… Read more »

Q. I have been told that I can access my pension fund in full by transferring it to an overseas scheme. Can you tell me more? A. In certain circumstances it is possible to transfer your fund to an overseas scheme and draw benefits under the rules applicable to the tax regime of the country in… Read more »