Planning for your retirement is essential and a relationship break-up or divorce may have prompted you to think about your long term financial provision. Below are links to organisations that can offer information on types of pension, how to plan ahead for retirement and state pensions.

Divorce law has now changed so that a pension fund can be divided. This does not apply to separated couples that were cohabiting. A pension can be shared in several ways, for example:
* A lump sum can be awarded to the other spouse to provide for them in retirement
* Maintenance may continue to be paid to the other spouse into retirement
* A pension can be split with each spouse receiving a share.

If you are concerned about the protection of your pension following a divorce you should consult a solicitor. See our section on Divorce and Separation for further details.

Citizen's Advice Bureau
Information on different types of pension and current legislation on state pensions.

Financial Services Authority
Information and advice on financial services in the UK, including pensions. Also includes information and an online calculator for how much you need to save for the retirement pension you require.

Stakeholder Pension Helpline
A stakeholder pension is a savings scheme where you can save on a regular basis for your retirement. Impartial information and guidance on stakeholder pensions.

The Pensions Advisory Service (OPAS)
An advisory service on occupational and personal pensions.

The Pensions Service
Government Agency and part of the Department for Work and Pensions, provides information and services for everybody who is of retirement age or about to retire.