We cannot provide you with financial advice in relation to these changes and would suggest that you consult with an independent financial or tax advisor to go through how or if the changes will affect you.

If you need a financial advisor but are unsure who to contact then, the following organisation may be able to help you:-

Association of Professional Financial Advisers. Tel: 020 7628 1287

• www.apfa.net (This link opens in a new window)

MoneyHelper – Get clear, free, impartial help for all your money and pension choices

• www.moneyadviceservice.org.uk (This link opens in a new window)

Financial Conduct Authority

• www.fca.org..uk (This link opens in a new window)

Alternatively if you belong to a trade union you may wish to contact them to provide access to organisations that can give financial advice.