If you want big picture advice your best bet is to speak to an Independent Financial Adviser. They come in many shapes and sizes. Traditionally they have earned money through commission on the products they sell, which has meant they can be too focused on "selling" investments. This though will stop from 2013. Instead they'll agree a fee with you, and the fund management charges you pay will come down as a result. In the meantime, some IFAs already operate this way, refunding you any commission they earn. The good IFAs are increasingly now calling themselves Financial Planners. While they still advise on Investments, Mortgages, Pensions etc, increasingly they are focused on producing holistic financial plans for your personal situation This new website could be useful. It lets you find a fee-based IFA and read reviews and ratings from past clients. You could try this chap - Saul Conway, Holborn
