Useful links

MoneyHelper

MoneyHelper is here to make your money and pension choices clearer. It provides impartial help, backed by government and is free to use. Whatever your circumstances or plans, online or over the phone, you’ll get clear money and pensions guidance, and pointers to trusted services if you need more support.

Visit: www.moneyhelper.org.uk

Call: 0800 011 3797

GOV.uk

If you want to trace a lost pension, find out your State Pension entitlement or explore how tax and personal allowances affect your pension choices – it’s all here.

Visit: www.gov.uk

Call: 0800 731 0193

Pension Wise

If you are over 50 and have additional voluntary contributions (AVCs) or other defined contribution (or money purchase) pensions elsewhere, Pension Wise offers free, impartial guidance about your options in relation to your AVCs. It can be accessed online, by phone or face to face and it is part of MoneyHelper.

Visit: www.moneyhelper.org.uk/pensionwise

Call: 0800 138 3944 (8am and 6:30pm Monday to Friday)

Age UK

Following the merger of Age Concern and Help the Aged, Age UK is the new national network providing help and care for older people.

England: www.ageuk.org.uk

Scotland: www.ageuk.org.uk/scotland

Wales: www.ageuk.org.uk/cymru

Northern Ireland: www.ageuk.org.uk/northern-ireland

HMRC

Guidance and support on the tax that may apply to your pension income, including tax code changes. The Scheme cannot contact HMRC on your behalf.

Visit: www.gov.uk/personal-tax-account

Chat Online: www.tax.service.gov.uk/ask-hmrc/chat/paye

Download the HMRC app: www.gov.uk/guidance/download-the-hmrc-app

Call: 0300 200 3300 (outside UK: +44 135 535 9022)

Financial Conduct Authority (FCA)

Find an independent financial adviser (IFA) authorised and regulated by the FCA. Check their directory. They also have lots of great guidance on how to spot and avoid pensions scams and other financial fraudsters. And what to do if you are targeted.

Visit: fca.org.uk/consumers

CWU

If you are a member of the Communication Workers Union (CWU) and wish to seek union help on pension matters, visit cwu.org

Prospect

If you are a member of the Prospect Union and wish to seek union guidance on pension matters, visit prospect.org.uk

NFOP (this is an advertisement)

The National Federation of Occupational Pensioners (NFOP) is a not-for-profit membership organisation providing a broad range of carefully selected services and a voice for people in retirement.

Membership benefits include; a seasonal magazine filled with news, features and information and a topical fortnightly electronic newsletter; access to travel offers, including competitive travel insurance products and discounts on cruises and breaks; and access to specialist legal and financial advice.

You can join online, download an application form or call on 01585 721652

For more information, visit www.nfop.org.uk.

BT Digital Dictionary

BT Group has teamed up with lexicographer and queen of Dictionary Corner, Susie Dent, to create a Digital Dictionary, in order to help older and digitally excluded people get a better understanding of online jargon.

Visit: www.bt.com/seniorskills