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Are you among the millions of people given new freedom to access their pensions - but only if you seek costly financial advice?

Or perhaps you're young and want to invest a few thousand pounds for a rainy day and need some tips on what to do with it?

Long term financial decisions are among the most important choices you're likely to make. But they're complicated, and technical. And getting advice about them seems to be getting more expensive.

The Government says there's now an 'advice gap' - that many people who need advice aren't seeking it because they're put off by the cost. The financial regulator is now looking into ways to make it more accessible for people who 'work hard and do the right thing, but don't have significant wealth'.

Financial advisers can no longer make money from commission on products they sell you, a relatively new rule which has been welcomed across the industry. But, some analysts and financial advisers say the move has also driven up the cost of advice.

On Money Box Live this Wednesday, we'll be asking how much guidance is available free, how much you can do for yourself, how to find an advisor you can trust, how much you should reasonably expect to pay, in what circumstances it's worth paying for advice, and lots more.

Paul Lewis will be joined by our panel of experts:

Justin Modray, Founder, Candid Money
Fiona Sharp, Chartered Financial Planner, Almary Green
Caroline Rookes, CEO, Money Advice Service

They'll be here to take your questions. Call 03700 100 444 between 1pm-3.30 pm on Wednesday. Standard geographic call charges apply. Or email us at moneybox@bbc.co.uk now.