PLANNING · CHECKED 4 NOVEMBER 2026

Retirement planning checklist UK

Six practical steps before you access your pension.

1. List your pensions and collect up-to-date statements.
2. Write down essential spending and optional spending separately.
3. Check your State Pension forecast.
4. Ask providers about charges, guarantees and available withdrawal options.
5. Consider the effect of withdrawals on tax and other income.
6. Prepare questions for impartial guidance or a regulated adviser.

Get ready for Pension Wise

Bring information about your pensions, other finances and retirement plans. Pension Wise explains defined contribution pension options; eligibility conditions apply.

Explore Pension Wise at MoneyHelper.