Few could deny that pensions and retirement today cause considerable confusion in the minds of all age groups. There are considerable changes in the technicalities of pensions, huge changes in the perception of retirement as being a period of affluent enjoyment rather than a final blow to the dignity. All this played to a backdrop of government warning that future generations will have to work on as the nation won’t be able to afford them to retire.

This loose leaf reference file is the “bible” of retirement planning. It is full of vital but independent information about your rights in retirement.

We also send free annual updates so your Planner is always accurate.

Hundreds of blue chip companies like IBM or Barclays Bank give the file to their employees as do similar numbers from the public sector organisations such as Hampshire County Council and Manchester City Council, many fire police and NHS authorities.

But perhaps the most authoritative acknowledgement of the quality and independence of the file is the fact that it is used by the Financial Services Ombudsman.

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