Don’t Delay: Why Now is the Time to Sort Your Pension

With reports emerging that the Government may raise the state pension age to 74, many people are understandably concerned about their financial future. While nothing is confirmed yet, this potential change highlights a crucial truth: relying solely on the state pension is no longer enough.

At Clear Finance, we speak to many clients who tell us they’ve “got time” to think about retirement. But the reality is that the earlier you start planning, the better off you’ll be.

Why You Need to Act Now

Rising pension ages mean that people will need to work longer before they can claim their state pension — or face a financial shortfall if they retire earlier. By taking control of your pension planning now, you can give yourself the freedom to choose when and how you retire.

Whether you’re in your 20s, 40s, or 50s, it’s never too early — or too late — to make a plan.

What You Can Do Today

✅ Review your existing pension(s) – Do you know what you have, what it’s worth, or how it’s performing?
✅ Consider consolidating – Bringing pensions together can help reduce fees and make things easier to manage.
✅ Top up where possible – Even small extra contributions now can make a big difference later.
✅ Speak to an advisor – A Clear Finance expert can help you understand your options and put a solid plan in place.

Final Thoughts

We can’t control changes to government policy, but we can take control of our own financial future. Don’t wait until retirement is around the corner — sort your pension today, and give yourself the confidence that you’re prepared for whatever comes next.

For more information about our Financial Services and products in Doncaster call 01302 835938

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