New rules being introduced mean every employee must provide and contribute to a pension for any and all employees.   These changes are being phased in from 2013.

The days where we were guaranteed to get a sufficient pension are fading, whatever your occupation. There is a big strain on state benefits and employer pension schemes.

It is increasingly becoming more important for individuals to take responsibility for their retirement income. However it is a very complex area which is hard to understand as pension legislation constantly changes. It is essential to know the relationship between risk and reward and where you are positioned yourself.

The type of pension advice that you will require will depend on what stage of life you are at.