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Paul Lewis and his guests look ahead to 2013. What will happen to house prices? Will the retail distribution review really lead to a shake up in the world of paid for financial advice? Will savers have to turn to investing to get a decent rate of return? And will the UK economy grow as much as the Office for Budget Responsibility predicts?

Joining Paul Lewis in the studio will be freelance financial journalist, Cliff D'Arcy; The Telegraph's brand new personal finance editor, Andrew Oxlade; and Vicky Pryce, senior managing director of economics at FTI Consulting. And in Edinburgh we have Moneyweek's editor in chief, Merryn Somerset-Webb.