Pension advice matters

If you have changed jobs a few times during your career so far, or had many private pensions, it's worth considering what retirement savings you have built up, how easy they are to manage and where they are held. Advice makes a big difference.

• Do you know where all your pensions are?
• Do you know how your pensions are invested?
• Do you know how much your pensions are worth in retirement?
• Do you know if you have any gaps in your National Insurance contributions?
• Is your pension up to date enough to provide the flexibility you may require in retirement?

Ultimately, it leads to the same important point: ,strong>reviewing your pensions provision is essential.

The first step is to understand what you have - and the simplest way to do this is with a Letter of Authority.

A Swann Financial Adviser, acting on your behalf under your authority, will be able to find out everything about your plans so they can provide a sound pathway for your financial journey.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you invested.