As part of this year's Money Week coverage, the NZ Herald has invited a financial expert to answer questions sent in by readers.

Whether you're concerned about where to invest your savings, when to pay for travel insurance or how to get a raise, Tom Hartmann from the Commission for Financial Capability will be on hand to offer sage advice on the best course of action to address your problem.

Simply send through your questions by leaving a comment below, and watch out for Hartmann's response in our live blog.

If, by the end of the chat, your question has not yet been answered, send it through to and Hartmann will respond directly to you.