Planning for Retirement

Changed jobs a few times? You could have multiple small pension pots sitting with old employers, making it hard to track your retirement savings. Here are some practical ways to take control of them.

A step-by-step guide to understanding why you may have multiple UK pension pots, how to track them down for free, avoid scams, and take control of your retirement savings.

Learn how to safely track down lost pensions, spot pension tracing scams, and protect your retirement savings with trusted, free UK resources.

The average UK worker has 9 different jobs over their lifetime [1], and for Millennials, it’s more like 15! This often results in multiple pension pots scattered across different providers. In fact, an estimated £31.1 billion [2] is currently sitting in lost or forgotten pots across the UK.

Is it a personal choice? Most definitely — but it’s one that could significantly impact the retirement style you’re hoping to achieve, so is well worth considering!

Taking time off work due to illness can be stressful – especially if you’re worried about your short and long-term finances. Here’s what could happen to your pension contributions while on sick leave, and what your options are.

If you’re planning on contributing a much higher amount to your pension this year, the carry forward rule may be something to explore. Find out if it’s something you might be able to use.

Here’s what you need to know if you are considering withdrawing from a pension early due to long-term or terminal illness.

This guide covers everything you need to know about the State Pension triple lock: what it is, the 4.1% increase for 2025/26, who qualifies, and how to plan your retirement income beyond the State Pension.

With there being an estimated 3.3 million lost pensions in the UK, worth an average of £9,470 each [1], it’s easy to lose track of your old pots — especially if you’ve changed jobs multiple times.

If you’re approaching retirement or already there, you might be considering flexi-access drawdown as a way to access your pension pot. But what exactly is it, and how does it compare to other options?

Is it worth combining pensions? Having your pots in one place could bring many perks — from having a clearer picture of how much you have tucked away for future you, to gaining more control over how this money is invested.

Are you on track for the retirement you want? If you’re not sure, you’re not alone.