9 in 10 say it’s difficult to buy a first home.

Changes could benefit savers by up to £25 million a year.

Typical aspirations take 25 years to pay for, estimates show.

Cold-callers could face fines of up to £500,000.

Savers urged to take advice as divorces rise in January.

Workers urged to plan finances in the event of illness.

Only 32% self-employed people currently save for retirement.

Rises in state pension age cause confusion.

Government plans to implement multiple dashboards.

Retirees say financial situation has worsened.