There have been a number of changes to Pension Wise since it was first established in 2015 and therefore we would like to take this opportunity to remind you about the service they currently provide.

Pension Wise is a free government service for those aged 50 or over and have a Defined Contribution (DC) pension pot. The service is also particularly helpful to Defined Benefit members who are currently paying or have paid DC Additional Voluntary Contributions or have DC pension savings elsewhere.

Pension Wise is there to help you:

• understand the different options available to you when accessing your pension pot(s);

• assess the potential advantages and disadvantages of any decisions you are planning to make;

• understand any tax implications that might occur;

• make the right choices, for example - if you are planning to continue working and draw your pension benefits at the same time. - taking into account your current personal and financial circumstances. - in the event that you should die.

Pension Wise is delivered by Citizens Advice if you require a face to face meeting or the Pensions Advisory Service (TPAS) if you are happy to discuss your query over the phone. Their website www.pensionwise.gov.uk also provides a lot of useful information that may be of interest to you.

To book either a telephone or face to face appointment, you can call 0300 330 1001.