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Pensions & future planning

Pensions, wills, inheritance tax, probate and more

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State Pension: how it works, what you'll get and how to boost it

The State Pension was increased by 4.1% in April 2025. Most of us will receive some State Pension from the Government when we retire, but it's a complicated system, so understanding what you're entitled to is important.

Find out how the State Pension works, when you'll get it, how much you'll get and – importantly – how you might be able to boost it.

What you need to know

How should I take my pension?

Pensions can be complicated, and your money needs to last you throughout your retirement. If you've got workplace or private pensions, taking the money at the right time and in the right way will be important, as getting it wrong can be costly.

Our guide gives you an overview of what you need to consider when thinking about how to access your money – and where to go for free guidance.

More on taking your pension

Should I consolidate my pensions?

If you have two or more private or workplace pensions, combining some or all of them in the same place can have benefits, though there are things to consider before deciding if moving them is the right option.

This guide gives you an overview of what you need to think about when combining your pensions – and where to go for free guidance.

Find out more about pension consolidation

Pensions guides

You could save hundreds in tax if you're still earning
Guide
Boost your retirement income with a state top-up
Guide
You may be able to turn £800 into £5,500 in your State Pension
Guide
Low-cost ways to write your will (and protect your loved ones)
Guide
What happens and do I pay tax?
Guide
200,000+ women (and some men) thought to have been underpaid
Guide
What it means, and how to claim any pension savings you’ve lost track of
Guide
Nominate who gets your pension when you die
Guide
Martin's warning to every worker in the UK
Blog
Four need-to-knows including who pays it and how to legally reduce it
Guide
Employed aged under 22, or any age earning under £10,000?
Blog
Should you get a prepaid funeral plan?
Guide