Pensions are complicated.  Successive Governments have altered the rules, and people’s aspirations have changed since the days of a single, specific retirement date.  Nevertheless, you can’t hide from the fact that you need an income, and nobody will work forever.  As things stand, pensions still enjoy a number of tax advantages relative to other forms of saving. Your pension should form a major strand of your financial plan and our advisers are trained and qualified to guide you through the complexities.