By the age of 40 most people haven't yet given a thought to retirement planning: they've been too busy paying off debts and mortgages, and supporting a growing family. But with 25 years still to go until state pension age, 40 is a good age to start planning for those golden years. Finance at 40 is aimed at anyone who wants to lay some secure foundations for the future but doesn't know where to start. This book will help readers work out the value of retirement plans they may already have in place, and will then guide them through the basics of investments, pension plans, and managing savings. The Financial Intelligence series offers down-to-earth, practical guides to personal finance, aimed at anyone who wants to increase their financial IQ. These guides will help readers to feel confident about making the right decisions when it comes to spending, saving and investing their money. Finance at 40 is aimed at anyone who wants to lay some secure foundations for the future but doesn't know where to start. It guides the reader through the basics including investments, pension plans, and managing your savings. Moira O'Neill is Personal Finance Editor at Investors Chronicle. The former deputy editor of Money Observer, Moira began her career in personal finance journalism in 1997.