Jonquil Lowe is an economist who worked for several years in the City as an investment analyst, and is a former head of the Money Group at Which?. She now splits her time between working as a freelance financial researcher and journalist and as a Lecturer in Personal Finance with The Open University. Jonquil holds the Diploma in Financial Planning and researches and writes extensively on all areas of personal finance. She is the author of over 20 books, including: Giving and Inheriting, The Pension Handbook, Save and Invest and Finance Your Retirement, all published by Which? Books; the Personal Finance Handbook published by the Child Poverty Action Group, which is used as a set text for a number of personal finance courses; and, with Sara Williams, The Financial Times Guide to Personal Tax.