My husband died and now I need to take over the family finances. Should I hire the adviser who brings cookies and wants me to buy an annuity?

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  I left my husband after he raped me. Should I tell our daughter what happened? | Ask Philippa

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• ‘I own my home’: I’m 74 with $300,000 in annuities and live modestly. What should I do with my retirement savings?

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• Should I take out my pension tax-free lump sum?

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