In 2021 there was an estimated £20 billion in deferred ‘frozen’ pensions, they can be a maze for many of us; some don’t have the time, others don’t know where to begin and most don't even know what options are available to them.

We all dream of spending our well-earned retirement doing what we love without worrying about money. But getting your dream retirement can take a lot of effort and discipline to ensure you have enough cash to be comfortable during your golden years. In fact, according to a recent study, you’ll need at least £10,200 a year to have all your basic needs covered in retirement. Assuming you finish work at 67 and live until the age of 82, you could need around £153,000 in your pension pot by the time you retire. This amount can sound scary, but don’t worry, there are many ways to help you reach your retirement goals.