When it comes to providing for our retirement, too many of us are doing too little, too late. Putting away even a small sum early on can make a big difference to the lifestyle you will enjoy when you retire.

The golden rule for most people is to not rely on the State alone. Modern pensions benefit from some significant tax breaks.  You can even contribute to your pension if you are not working!

There are limits to how much you can save into a pension over the course of a year and during your lifetime.  There are a number of changes that are likely to be made to these limits in the coming years and it is best to check with your adviser in order to ensure you will not breach any of these limits.

Pension legislation is continually being reviewed by the government and a One Financial Adviser will help you to ensure you have the latest information.