Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. This week, Damien talks about the cost of financial advice and how the RDR hasn't exactly helped matters.

Damien also tells you where you shouldn't hide your Christmas presents and exactly how best to give the gift of an investment to a family member or friend.

Money Farm (Click To Try for Free) (Don't forget to use the exclusive code MTTM20K to get an extra 10k fee free)

The Best Pension Calculator On The Web - Try it now

80-20 Investor - Click here to find out more about Damien's 80 20 Investor service.

Find out the gender pay gap for your job - Click to find out