Are you contracted out of the State Second Pension (S2P) through a personal pension or stakeholder pension? If you are you should review your decision to stay contracted out each year, particularly as you get nearer to retirement.

If you already have a financial adviser they will be able to talk you through the pros and cons. If you have lost touch with your adviser or do not have one, search our database for an IFA who will be able to talk to you about S2P and answer any questions you may have on the subject.