Retirement planning seems to constantly be in the press, with the story that we don’t do enough of it, or that some rules have changed here and there. We believe that making retirement a choice is the best way forward. We don’t know what the future holds, but we do know the number of people in work for each one in retirement is reducing. By 2050 it's expected to be down to 2:1 having been as high as 10:1. (Figures from a presentation given by The Pension Regulator)

We believe that this makes the state pension, in its current guise, unsustainable. Making your own plans and taking control of your financial future must be a better way, mustn’t it?

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