We often say it’s never too early to start thinking about your retirement, but what if you’re coming to it later in life?

Whether you’ve been through a divorce, had a career-break or can see your retirement on the horizon, there are many ways to get the most out of your pension, whatever your circumstances.

This week, we’re joined by Liliana Gonzalez, Training Consultant at Civil Service Pensions, who tells us why it’s never too late to start planning for your financial future and retirement.

She explains how you can boost your retirement savings by taking practical steps from Effective Pension Age (EPA) and Added Pension to Additional Voluntary Contributions (AVCs).

Liliana also reminds us that the Pension Portal is the fastest way to check on how much your pension is worth, get a forecast for your retirement using our Retirement Modeller and make sure all the information we have for you is correct, especially if we need to contact you.

All episodes in Season 2 were recorded between June – August 2023, and are accurate at the time of recording.

Useful links:

• Increasing your pension
• Pension Portal
• Retirement Modeller
• Tools and calculators
• Yearly Pensions Increase (PI)