Where can I get detailed personal advice?

If you need professional help in sorting out your pension arrangements then you can talk to an Independent Financial Adviser. These are professionally qualified and regulated people who can give you advice on a wide range of financial issues including pensions.

However, the advice is not free and you will have to pay for it. This can be done through a direct payment by you, by the IFA taking commission from the sales of any savings products they sell to you or a combination of the two.

You can find out how to contact a local IFA and more about IFAs from http://www.ifap.org.uk

Of course any bank or building society will be delighted to sell you one of their savings products, but the vast majority are not independent advisers and will only recommend their own products and services, or those from business partners. They may be quality products that are right for you, but you will always run the risk that they are not.