Negotiating the murky waters of the financial services industry can be a daunting prospect. It may seem to be a mass of competing products and services whose differences are obscured by arcane jargon and statistics, which are promoted by agents whose motivation may not seem entirely transparent and where the whole is governed by complex and impenetrable rules and regulations. This guide aims to make some sense of it all and to give you the information you need to take the necessary steps in managing your finances.