In this episode of the Maven Money Personal Finance Podcast… Andy is joined by returning guest and fellow financial adviser, Alan Smith.

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So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK's premier personal finance show.

Is there a topic you'd like Andy to cover? We'd love to hear from you! Contact Andy Hart directly with any comments / feedback on [email protected]. Alternatively you can reach out on Twitter @MavenAdviser.