A professional review can really help

There are so many factors that can have an impact on your retirement.

If you've changed jobs a few times in your career, it's worth considering what retirement savings you have built up, how easy they are to manage and where they are held.

• Do you know where all your pensions are?
• Do you have more than one pension? Do you know who is managing them??
• Do you know how your pensions are invested?
• Should you make any changes to your investment strategy?
• 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?

The first step is to understand what you have. To help you with this, we can introduce you to Swann Financial. Acting on your behalf under your authority, they will be able to find out everything about your plans and advise you.

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.