Click here to get regular factsheets on pensions and financial planning http://www.woodruff-fp.co.uk Most people realise that pensions and ISAs are both tax-efficient wrappers into which you can save your money. However, there is often debate over which is the best vehicle for your savings. This leaflet examines some of the pros and cons of these wrappers and the benefits of using one versus another. http://www.woodruff-fp.co.uk/docs/40_investing_for_the_long_term.pdf This factsheet explains why you should consider reviewing existing pension schemes with a view to transferring them to a new provider, a little like a remortgage. This can save you charges, allowing you to boost your retirement income, and also give you more flexibility and fund choice. http://www.woodruff-fp.co.uk/docs/32_pension_transfers.pdf We explain how we take into account the ability of companies to meet their liabilities, so we reduce the risks to you. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf How the state pension scheme works in practice, and what you should expect to receive when you retire. http://www.woodruff-fp.co.uk/docs/25_the_state_pension.pdf How pensions are treated when divorce occurs. A pension can be a major asset in a marriage, and needs special attention when a couple splits up. You should also consider the financial implications of any decisions. http://www.woodruff-fp.co.uk/docs/24_pensions_and_divorce.pdf All companies with 5 or more employees should have a stakeholder pension scheme for their staff, unless they meet certain exemptions. This leaflet explains which companies need to set up schemes, and how to comply with the regulations. http://www.woodruff-fp.co.uk/docs/23_company_stakeholder_pensions.pdf How you can keep your money invested when you retire so that you can have more flexibility than a traditional annuity. http://www.woodruff-fp.co.uk/docs/18_unsecured_pension.pdf Information on what it means to contract out of the second State pension, and whether it is advisable to contract back into the State scheme. http://www.woodruff-fp.co.uk/docs/14_contracting_out.pdf The basic options open to you at retirement and why this is important. http://www.woodruff-fp.co.uk/docs/7_retirement_decisions.pdf Why you should save for retirement, and how personal pensions can help with this http://www.woodruff-fp.co.uk/docs/4_personal_pensions.pdf