Telegraph Money asks two experts to rate reader Jame Arben’s portfolio In this new series, Telegraph Money will analyse readers' portfolios looking at the good, the bad and the ugly and providing recommendations on how savings pots can be improved. Read previous versions here Turning 40 and realising you have not planned for retirement is a nightmare for some, for James Arben, it was a reality. The saxophonist from London has spent his life touring, playing Glastonbury and even performing with Led Zeppelin frontman Robert Plant. But while enjoying the moment he failed to plan for his future. “I panicked when I got to 40 when I realised I had nothing outside of a tiny teachers’ pension I get for giving music lessons a couple of days a week,” he said.