How to start investing, financial advice charges, using cash back to boost savings, and personal finance goals for 2019.

We’re back with five points to consider when you first start investing, potential changes to how people pay for advice about transferring pensions, a guide to using cash back sites to earn extra money, and our presenters discuss their new year’s financial resolutions.

AJ Bell’s Personal Finance Analyst Laura Suter and Shares’ Editor Daniel Coatsworth are joined this week by AJ Bell’s Senior Analyst Tom Selby.