It's worth asking yourself some vital questions. Will there be a State Pension by the time I reach retirement age? Where will my income come from once I have stopped working? At what age do I want to stop working? What quality of life do I want when I stop working? Bear in mind that, currently, the basic State Pension stands at less than £100 per week for a single person.

Pensions are simply another form of investment. After all, our security and income when we stop working could come from a variety of sources; a pension fund, savings, investment funds, or a second property, the list goes on.

BolamRose can make it simple. When we look at pensions, we look at your whole financial world in retirement. We will present you with the facts and having looked at your personal financial situation will recommend a retirement solution that will work for you, whether it is a self-invested scheme, a fully-managed scheme or a combination of the two.