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Roughly one third of UK adults aren’t saving at all for their retirement. Of those that are saving into a pension, many aren’t saving nearly enough to give them the standard of living they hope for when they retire.

Once you’ve decided to start saving for retirement, you need to choose how you’re going to do it.

Please be aware pension advice is available by referral only.

Pensions have a number of important advantages that will make your savings grow more rapidly than might otherwise be the case.

A pension is basically a long-term savings plan with tax relief. Your regular contributions are invested so that they grow throughout your career and then provide you with an income in retirement.

Generally, you can access the money in your pension pot from the age of 55.

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