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How to protect the old from poverty has challenged governments since they decided that Victorian workhouses were not the answer.

We are now to be working with the guys at This is Money to help track down otherwise lost or forgotten pension benefits for selected members of the public!

An article in The Telegraph suggests that the Chancellor is now reconsidering cutting higher-rate relief as he fights to cut back public spending. A look at what this would mean, and two ideas to protect your money.

An employer doesn’t have to use NEST to ensure they comply with legislation, and with so many pension schemes already out there which will provide full compliance, what does NEST have to offer?

Only 34% of men and 38% of women between 22 and 29 belong to an employer pension scheme, and numbers are falling as the financial worries of the here and now take over.

A recent study found that over four million people intend to work beyond the state retirement age because they can’t afford to retire.

Salary sacrifice is not suitable for everyone, and the ramifications need to be explored in depth before an employee commits, but it can prove a highly efficient way of saving for a pension, and may also reduce tax and NI.

Plans to link state pensions to the lower Consumer Prices Index (CPI), rather than the Retail Prices Index (RPI) have created concern for those who are retired or people saving for retirement.

According to the OECD, UK pensioners have the lowest retirement income relative to previous earnings in the developed world, but powerful weapons are at the disposal of those taking responsibility for funding their own retirement.

Will you be taking to the streets in protest or adopt a more practical approach to surviving the ‘sober decade’? Here are just some of the key areas where your financial adviser can help and advise you.