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Planning For Retirement

Don't forget to plan ahead for when you (and/or your spouse or civil partner if they will be paying you maintenance) retire. If you have retired and are married or in a civil partnership, you will need to look at how your pensions are to be dealt with as part of any overall financial settlement with your spouse/civil partner.

As part of a divorce or dissolution, you may be ordered to give up (or receive) part of your pension savings or pension rights so they can be transferred to your former spouse or civil partner. Your benefit statement should take the resulting reduction in your own pension benefits into account.  If this happens to you, you may want to think about saving extra to rebuild your pension. See Splitting the things you own for more details.

Think about the amount of income you would like to have in retirement.  Check what pensions you have and how much they are likely to pay to you as an income and lump sum.  For general information about pensions see Pensions made clear.

If you're nearing retirement find out what your options are by going to Retirement options made clear.

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