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Retire with confidence

8th June 2023

If you’re ready to decide what to do with your pension or you just want to understand what your options are when you retire, we’ve partnered with Independent Financial Advisers, Wren Sterling, to help you.

Are you looking to draw on your pension?

Depending on your age (and whether you’ve paid your National Insurance contributions), you may have to wait for your state pension. But depending on your age and the type of pension you have, you may be able to access your pension early and use the money to retire, supplement your salary, or allow yourself to work fewer hours. You can use GOV.uk’s free government service to check your National Insurance contributions.

Previously, people had to wait until retirement to access their pensions, but legislation that came into force in April 2015 brought that forward to 55. In April 2028, this age will increase to 57. With changing rules around your pension, you may not be aware what’s available to you, which is where financial advice can help.


Can you wait?

You don’t have to take your pension and it should be stressed that the primary role of a pension is to provide income in retirement. Lots of people continue to build their pension pot so that they’ll have more money for when they retire.

When you reach your retirement age more options will be open to you, so it’s a good time to review your finances and see whether you’re on track. You may wish to contact an Independent Financial Adviser to help you map your onward financial journey – especially if you have multiple pension pots.

Get advice about your pension

To book a free, no obligation appointment with a Wren Sterling Financial Adviser, please contact your local branch.


The value of your investments may go down as well as up and you may not get back the full amount invested.

Customer Service Centre: 50 St. Edward Street, Leek, Staffordshire ST13 5DL

Tel: 01538 384151

Leek Building Society is a trading name of Leek United Building Society, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority with firm reference number 100014.

Leek Building Society is an introducer to Wren Sterling for investments, pensions and protection. Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority, Financial Services Register number 665653. Registered office: 13-19 Derby Road, Nottingham NG1 5AA Registered in England No. 09157918.

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