The Pension Reality Check

1. How old are you, and at what age would you ideally like to stop relying on work income?

An approximate age is fine for both.

I am 45–49, target age 60–62I am 45–49, target age 63–67I am 50–54, target age 60–62I am 50–54, target age 63–67I am 55–60, target age 62–65I am 55–60, target age 66–68

2. How would you describe your current work situation?

Fully self-employed or freelanceRunning my own small businessA mix of employed and self-employedRecently lost a main contract or client

3. How would you describe your income over the last 12 months?

Stable and broadly predictableVariable but broadly okayUnder noticeable pressureSignificantly reduced

Section B — Your Pension

4. Do you currently have a pension?

Yes, I have been contributing regularlyYes, but my contributions have been inconsistentI have one but have not contributed for a whileI have very little or nothing saved in a pension

5. If you had to estimate, roughly how much is in your pension pot right now?

A rough figure is fine. Your honesty here makes the report more useful.

6. Are you currently making pension contributions?

Yes, regularlyOccasionally when cash flow allowsNo, I have paused themI have never contributed consistently

7. Do you know your State Pension forecast?

You can check this free at gov.uk in about 5 minutes.

Yes, I have checked it on gov.ukI have a rough idea but have not checked recentlyNo, I have not looked into it

Section C — Your Retirement

8. When you picture life after work, which of these feels closest to what you are hoping for?

Be honest with yourself here — the report is more useful if you are.

Modest and simple: covering the essentials comfortablyComfortable but not extravagant: holidays, hobbies, flexibilityFull and active: regular travel, financial freedom, continued interestsI have not really let myself think about it in detail

9. Aside from your pension, what else are you counting on for retirement income?

Section D — The Bigger Picture

10. How dependent is your retirement plan on your current work income continuing as it is?

Completely — if my income dropped significantly, everything changesMostly — I have some flexibility but not muchSomewhat — I have other plans in placeNot very — I have already diversified

11. Have you ever seriously explored ways of earning income outside your main work?

No, I would not know where to startI have thought about it but never acted on itI have tried something but it did not go anywhereYes, I have something in place already

12. What worries you most when you think honestly about this?

Running out of money before I run out of lifeBeing forced to keep working when I do not want toHaving to significantly lower my expectationsDepending on my partner or familyAll of the above, honestly

13. If there were a realistic, low-risk way to build even a modest additional income stream over the next few years, how open would you be to exploring it?

Very open — I have been looking for something like thisCautiously open — I would need to understand it properly firstSceptical — I have heard this before and it rarely works outNot relevant to me right now

Section E — Your Report

Almost there. Where should we send your Retirement Options Report? We will email you a copy within 10 minutes.

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The Pension Reality Check

Section A — About You

Section B — Your Pension

Section C — Your Retirement

Section D — The Bigger Picture

Section E — Your Report