Still, many are still delaying the start, and there is an astonishing number of people who believe that basic state pension eligibility is sufficient for a comfortable retirement.

While they might be right about the entitlement to a State pension, they are most unlikely to find that the State pension alone will ensure anything like a comfortable retirement. You can find the top county council pensions in  Gloucestershire via https://pensionoptionsdirect.co.uk/financial-advisor-gloucester/.

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Even a cursory look at the subject of pensions will tell you that it can become a pretty complicated topic, with a bewildering range of different products, to suit different ends and purposes. For example, you might be aware that your employer runs a pension scheme and, indeed, you believe that the employer contributes to your pension on your behalf. 

It’s very much a specialist subject and the ground rules seem to be changing all the time. You might also have heard, for example, that the government is introducing changes requiring all employers to offer a pension in the future and to make contributions to the schemes set up. 

They are further complicated by your need to know exactly how your own individual circumstances should affect your pension options and decisions. 

A pension is a long-term investment, which accumulates many thousands of pounds of your hard-earned cash – it’s important, therefore, that you are guided towards the right decisions.

Given the importance of getting it right, the sensible course of action is to consult an independent financial adviser about your existing and future pension options. This will ensure that your decisions are based on the best, professional, and expert, independent pension advice.