Money and finances are not easy subjects. Financial products are often complex and not transparent. Customer interest is not always leading. Developments concerning pension (gaps), home mortgage interest relief and other financial matters can lead to questions and the need to make choices.
But also because of developments and changes in your personal life you will need to make financial decisions. That is why you want professional advice to help you make these decisions. Preferably independent financial advice that is not linked to the sale of any financial products.