Step 1: Confirm where you expect your retirement income to come from

Income Source	Amount
A Pension from current employer/previous employer	?
Personal Pensions	?
A State Pension	?
Income from savings and investments	?
Income from an inheritance	?

Step 2: Confirm how much you expect to receive from your employer or personal pension

Do you understand how much your pension will be and how to claim it? When will you start to receive payment? If you don't know, gather the facts or speak to those who can help you find the answers. The best place to start is the person who runs your pension arrangement.

Step 3: Find out if you've some pensions you've forgotten about

If you can't find the paperwork or you think the provider no longer exists, follow this link to the Pension Tracing Service. You can do this online or telephone: 0845 6002 537

Step 4: Find out how much your State Pension is and when you'll be entitled to receive it

Your State Pension may be a significant part of your income in retirement. Follow this link to the State Pension Forecast to find out more.

Step 5: Savings, investments and inheritances

If you intend to include savings, investments or an inheritance to finance your retirement work out the potential amounts involved and the likelihood of them being available at the time you plan to retire.

If you need independent financial advice to discuss your savings, contact an independent financial adviser at IFA Promotion Ltd, 90 St Vincent Street, Glasgow G2 FU or visit www.unbiased.co.uk Again the person who runs your company pension scheme or set up your personal pension may be able to help.

You can also contact our Hotline: 0207 601 1716