Money & benefits
Build a clear view of what you have and what may change.
Start with pensions, savings and essential spending, then allow for irregular costs and the possibility that housing or care needs may change. Useful next checks include your State Pension forecast, workplace pension details, tax position and benefits entitlement.
- Write down every source of retirement income
- Separate essential, flexible and occasional spending
- Check entitlements before assuming you will not qualify
- Use regulated advice for personal investment or pension decisions