The first step towards getting on track is to understand where you are now. How many companies have you worked for and how many offered pension plans? How many plans have you taken out yourself? What other provision do you have - e.g. savings accounts, investment plans, perhaps a second house or even your own business.

Then you need to take charge. Your pension could end as one of the largest assets you have, but how is it actually going to pay you? £10,000 may buy you a one-off luxury trip but it is not so impressive if you need to plan many years of holidays.

Our pension review service could help you get on track for your retirement. (Using the latest software) we take a comprehensive look at what provision you have, where that provision is going to place you, consider how this fits with where you want to be - and then, if appropriate, suggest the best options to make up any shortfall.