How to make the most of Pension Wise
Whether you're weighing up your pension income options or you haven't got that far yet, here's how to get the best from your session with a Pension Wise counsellor or an independent financial adviser.
This guide outlines what you need to prepare and think about beforehand. And there are downloadable checklists of tailored questions to ask once you’re there.
What should I bring to my appointment?
Your workplace pension statements
You should receive this statement from your employer every year. Contact your pension administrator at work if you can’t find your latest statement.
You might also have statements from previous workplace pensions.
Your personal pension statements
If you have a private pension, you should receive this from your pension company each year.
Contact your pension company if you can’t find your latest statement(s). You might have statements from more than one personal pension.
A state pension statement
Get a pension statement estimating the state pension you’ll get when you reach state pension age.
A summary of your regular bills and spending
Try to note down your regular bills and payments you'll still need to meet in retirement.
It might be helpful to print off a recent bank statement, or the accounts from which your bills are generally paid.
Free downloadable Pension Wise guides
Our free, downloadable Pension Wise guides can help you make the most of your appointment.
This list of questions will give you some things to think about before your session in order to get the most out of your time with the adviser, eg 'How much debt do I have?' or 'Will I need a cash lump sum?'.
We also suggest some questions about tax, the state pension and financial advice.