In recent years the financial climate has given increasing cause for concern. Endowment mortgages have left millions short-changed, promises of a good pension have evaporated, investing for a high income can cost you your capital, while raising extra income from your home transfers unreasonable amounts of equity to a financial firm. You don't have to be a victim. Whether you want to manage your finances yourself or simply be in the driving seat when you get financial advice, this guide will equip you with the knowledge and techniques you need. In simple language, with numerous case studies, tips and flow charts, Be Your Own Financial Adviser shows you how to identify your financial needs and create a plan to meet them without falling into the traps of unsuitable products, high charges and hidden risks. The book explains (1) how to interpret details from product providers (2) where to get up-to-the-minute information (3) how to identify areas where you could be losing out or taking unnecessary risks (4) how to build a robust investment portfolio to endure changing conditions (5) how the law protects you plus much more.