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Paul Lewis and guests discuss the implications of the autumn statement. Benefits expert Lee Healey from Income Max and pensions guru Tom McPhail will answer your questions.

Financial advice has never been free but it has not always been clear how advisers are paid. That situation will change from the start of 2013 when the long awaited retail distribution review changes are implemented. But how will the changes affect investors and financial advisors.

Paying by credit card often attracts a surcharge but consumers are left safe in the knowledge that if things go wrong any goods or services costing more than 拢100 are covered by Section 75 of the Consumer Credit Act. But banks now operate a service called Chargeback if you pay for the same items by debit card. So what is Chargeback? Is it as comprehensive as Section 75? And if it is, why pay a surcharge when paying by credit card? James Daley from Which will reveal all.

Producer: Ben Carter
Editor: Richard Vadon.