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Everything you read on Which? has been researched and written up by our team of experts. You can read our statement of editorial independence to find out more about how our journalists, experts and leaders work directly for you, the consumer. 

  • Writer Paul Davies has long worked in financial services research, currently specialising in pensions and retirement planning.

  • Writer Holly Lanyon covers personal finance topics from credit cards to wills. She enjoys turning complex money matters into clear, practical advice.