Planning for retirement
Financial journalist and presenter of BBC Radio 4's Moneybox, Paul Lewis, gives his tips on how to plan for retirement - covering topics such as pensions, tax, annuities, wills and debt.
Financial planning is really just arithmetic. Write down your income, your expenditure, what you really have to spend.
Then look at what you might expect, your state pension and any other pension you've been paying into. Then see how they balance.
If they don't, then you're going to have to cut your expenditure or find a way to increase your income once your reach retirement.
It might take a while to do a bit of phoning round or looking on the internet, but it's fairly simple to find information yourself and definitely worth finding out the basics.
Making a will
Paul Lewis explains why it's vital to make a will when planning retirement.
Paul Lewis explains what an annuity is and how to find the right one.
Dealing with debt
Why getting rid of your debt is important before you retire.
Why you need to talk to the taxman when you retire, so you don't miss out.
For more information call Age Cymru Advice on 08000 223 444