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Savers and investors always underestimate how much they need. We take you through the pieces of the puzzle you need to put together a perfect retirement

There are plenty of free tools available to create a 'professional' cash flow model to help you know whether you have enough saved up to retire

If you and your parents are both relying on pensions, consider your family’s overall exposure to market downturns

Portfolio Clinic: With a combined income of more than £300,000, this couple can save and spend a lot. But once the income dries up, will their savings be enough?

Platform transfer delays are nothing new, and improvement has been slow to materialise

With legislation on the LTA's abolition still incomplete and a new government on the horizon, it’s very hard for pensioners to make plans

Portfolio Clinic: Our reader has a lot of cash but is paralysed by indecision. Where should he start? Val Cipriani lends a hand

Portfolio Clinic: Our reader is a keen investor at a young age, but wonders if he's on the right track to meet his ambitious aims. Dave Baxter takes a look

Portfolio Clinic: Our readers have a large portfolio but want to make sure their strategy can make it last 40 years. Val Cipriani looks at the options

With the state pension taking up almost all the personal allowance from April, pensioners need to plan their income carefully