In the past people tended to work until a retirement age set by their employer or the State. But you can now usually work for as long as you want and you don’t have to retire all in one go for example you could change your work pattern. If you are considering taking your pension early you should understand how doing so will reduce your retirement income and make sure you have what you need for the whole of your retirement. The longer your retirement, the longer your retirement income needs to last. If you wish to discuss planning for your retirement please contact us on 01226 323000. This is a financial promotion. The value of your investment can go up or down.