Have you ever worried about affording a timely and comfortable retirement? Or considered what saving and investment advice you should give your children as they grow up in an ever-changing financial climate? The financial world has altered dramatically in the last 25 years and age-old advice, about borrowing and home-ownership in particular, is now outdated. After a long City career managing investments for a wide range of corporate and private clients, Jo Welman has served up his expertise and knowledge to explain how and why the financial landscape has changed and how we, and the next generation, should plan accordingly.