Do you understand your finances? Help may be at hand.

Is the complexity and cost of financial advice putting you off from getting it? And should it be free or should it come with a cost? Consumer Group Adviser Ratings says the median cost of financial advice last year was $3529.. . and only 1.9 million people received it. Treasury is conducting a national review to try to simplify the system.

Are your finances getting you down? Source: Getty / AscentXmedia/Getty Images