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  3. Joanne Padilla
Joanne Padilla - Money Expert at Which?

Joanne Padilla

Money Expert

Joanne has 20 years experience working in a bank and is a qualified mortgage adviser as well as financial adviser. She helps with pension, mortgage, tax and general banking/savings queries.

13 articles
  1. 2026

    1. 08 Jun
      Older couple

      'I used the marriage allowance to reduce my husband's tax bill – now mine has gone up'

      Tax
    2. 18 May
      Ian from Lincolnshire

      'Can I access my pension early to pay for financial advice?'

      Pensions & retirement
    3. 06 Apr
      Gordon from West Yorkshire

      'Could our family holiday lead to an inheritance tax bill?'

      Tax
  2. 2025

    1. 15 Dec
      Mr Lowe

      'Will our gifts to our children be taxed?'

      Tax
    2. 22 Sep
      US Dollars

      'Where can I deposit foreign cash?'

      Banking
    3. 11 Aug
      A man reviews paperwork at his laptop

      'Has my state pension raised my tax bill?'

      Tax
    4. 04 Aug
      Red "FOR SALE" sign in front of a brick house with large windows and decorative architectural features.

      'Where will my money be safe?'

      Savings & Isas
    5. 14 Jul

      'Why can't I add more to my pension?'

      Pensions & retirement
    6. 19 May

      'Can quick succession relief reduce an inheritance tax bill?'

      Tax
    7. 14 Apr

      'What happens if my annuity provider goes bust?'

      Pensions & retirement
    8. 07 Apr
      Eric has a question about pensions and inheritance tax

      'Will my spouse get my pension when I die?'

      Wills & probate
    9. 24 Feb
      Elderly man with glasses smiles while standing in a bright kitchen, hands on a glass dome and bowl of fruits.

      'I invest in an Isa, so why are my dividends still being taxed?'

      Investing
  3. 2024

    1. 28 Oct
      Wood boards cover the top of a storefront, with partly frosted glass windows and a red and white panel on the door.

      'Is my inheritance safe if my building society goes bust?'

      Savings & Isas