We don't give this sort of advice. But we will collect links on this page to those who can
Government bodies have a number of different advice services of varying quality, due to be consolidated into a single service in 2020 under the name 'Money and Pensions Advice'. Currently the most relevant sites are Money Advice Service and Pensions Advisory Service. Remember that no government advice site is going to upset an industry that contributes 15% of national tax revenues, but with that proviso they do their best.
Martin Lewis runs an independent website MoneySavingExpert
There's an extremely good and practical book, privately published, written by Brian Butcher, a partner in a small financial advice firm based in Doncaster. Find it here.
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