"Now as far our finances go, we've definitely got that old pension plan somewhere, and I think there is an ISA and an old PEP or two. Where they all are and how they are doing... well who knows?!"

Sound familiar? We've all done it. We've received a piece of supposedly important piece of financial literature in through the post and we've filed it at the bottom of that drawer we all have never to see the light of day again.

Make your 2009 New Year's resolution be to get back on top of your finances with a Financial Health Check from Heritage. Follow our simple steps and your will be financially fit and healthy again in no time. Best of all, you don't have to go down the gym or cut out the chocolate!

Step 1 (The hardest part)

Pull out all your financial documents from under the stairs, in the garage, the kitchen drawer or wherever. If you know you have a policy but can't find the documentation don't worry we'll come back to those ones later.

Step 2

Click here to e-mail Heritage.

It may look daunting to start off with but persevere and you will you soon have all the information you need.

Step 3

Download the 'Letters of Authority' form, fill in the relevant sections and post them to each of your respective policy providers. The letters of Authority allow us to request the necessary policy details for us to advise you. It will also mean that we will become the servicing agents for the policy and any future commissions can therefore offset the costs of gathering the necessary information and putting together your financial healthcheck report.

Step 4

When your policy provider receives the letter of authority they will inform us of our authority on your policy. Please download the Heritage Healthcheck form, fill it in and e-mail it back to us so when we receive the acknowledgements of your letter(s) of Authority we can get straight on with producing your report. There is space on the form to tell us of any investments that you cannot find all the details for.

Step 5

Sit back, relax and wait for your Helathcheck report to arrive. In it you will get a synopsis of your current investments, what we understand to be your investment objectives and our recommendations about how best to meet those objectives. With your approval, we can then carry out our recommendations and get your money working hard in the way you want it to.

Get your finances sorted with a Heritage Financial Healthcheck.