Official sources such as MoneyHelper, GOV.UK and Citizens Advice are generally the safest starting points because their information is checked and may explain relevant rules or support schemes. Unofficial tips can still be useful, but check who wrote them, when they were updated and whether they earn commission from recommending a product. Be especially cautious of anyone promising guaranteed savings, investment returns or debt solutions. For personalised investment or insurance decisions, consider speaking to an FCA-authorised adviser and check their details on the FCA register.