You will often hear the message how financial advice can improve your finances, and the message is being repeated strongly again during National Savings Month. But will financial advisers really give you independent advice, or do they have certain products into which they steer you, and could that cost you? Personal Finance looks at your options when it comes to accessing financial advice.

Also in our weekend print edition:

* Sitting tight is your best response to market volatility.

* How to get into the saving mindset.

Personal Finance is published every Saturday in the Pretoria News Weekend, the Saturday Star, The Independent on Saturday and the Weekend Argus.