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Part of Plan your retirement income: step by step

Plan your retirement income

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Get help

When planning your pension and retirement income you might need help with:

  • choosing a personal or stakeholder pension
  • planning your savings
  • choosing how you want to get your retirement income
  • delaying your State Pension payments (deferring)

Where to get help

You can get free guidance on your retirement savings options from .

has information to help you decide what to do with your money if it’s in a ‘defined contribution’ pension. If you’re over 50, you can book an appointment to speak to someone.

Paying for financial advice

You can find a financial adviser:

  • on the
  • from the

If you’re paying into a pension scheme, you can ask your pension provider about taking out up to £500 to pay for financial advice on retirement. You can do this once a year up to 3 times without a tax charge. Not all pension schemes provide this.

View a printable version of the whole guide

This page is Part of Plan your retirement income: step by step

  1. Step 1 Check when you can retire

    1. Check what age you can get your State Pension
    2. Find out about working after you reach State Pension age
    3. Find out if you can retire early with your workplace or personal pension

  2. and Check how much pension you could get

    1. Find out how much State Pension you could get (your forecast)

    You may also be paying into a:

    1. Find out if you’ll pay tax on your pension
    2. Find contact details for a lost pension
    3. Check how your pension is affected if you retire abroad

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

  4. Step 3 Check what other financial support you could get

    Check what financial help you could get if you:

    You can also get free bus travel if you:

  5. Step 4 Decide when to retire

    1. You are currently viewing: Get advice on planning your pension and deciding when to retire