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Are you looking for a better savings rate or thinking about investing? Call 03700 100 444 from 1pm or email moneybox@bbc.co.uk. Vincent Duggleby and guests take your calls.

With the interest rate paid on many savings accounts falling, it could be time for you to find a better deal.

Whether you're considering a high street, internet or postal account, ask our experts for the latest rates.

Maybe your fixed term account is about to mature, should you take out another or wait for a better offer?

What are the rules about ISAS and where will you get the best return?

Perhaps you want to take some risk and ask about investing in gilts, bonds or equities? What are the options, cost and risks?

What's the outlook for stock market performance in 2013?

If you need financial advice, our experts can explain the new rules which began this month. What types of advice are available? Which qualifications should an adviser have and what do they have to tell you about service and fees?

Whatever you want to know, put your questions to Vincent Duggleby and guests:

Paul Kavanagh, Partner, Killik & Co

Steve Taylor, Chartered Financial Planner, Taylor Oliver

Sylvia Waycott, Senior Finance Expert, Moneyfacts

You can email your question to moneybox@bbc.co.uk. Or the number to call is 03 700 100 444 - lines are open between 1pm and 3.30pm on Wednesday. Standard geographic charges apply. Calls from mobiles may be higher.

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