#MartinLewis Hi, is it better to protect the full amount of a final salary pension by transferring it to a trust so that if I pass away, my wife will receive the entire amount rather than 50%? and why are transfer costs so high? I've been quoted £8000 by several I.F.A.s?

trying to round up runners for the Cardiff half marathon in October to run for our charity,,,any takers? www.jamfund.co.uk