Hi all, I need a pension. I’m early forties, self-employed and a higher rate taxpayer and I have no idea about pensions, although I know I need one. Although I’m higher rate, I’m only just, and the sole household earner so not lots of spare cash. No other savings. What does a financial adviser actually do and do I need one in this case? I’m just looking to start a pension - can I relatively easily work out how to do this myself? What would be the benefit in using a financial adviser and paying their fees? (No offence intended to any IFAs here)