A lot of rubbish is written and said about pensions. The general perception is that they are a waste of time, maybe it was the scandals of the 80's and 90's, who knows.  

However we all know that you need to save for your retirement and shouldn't rely on the government. If you retire at 60, then who is going to pay for 20-25 years of living?

Pensions are in reality just a savings scheme with some special rules and tax breaks to encourage you to save within them.

Nearly everybody needs help with making sure that your money is invested properly, with the correct amount of risk for you, and that it is invested in good funds that will grow.

Somebody needs to keep an eye on how your money is doing and whether it is in the right place. So many people I have met lost a lot of money in the last few years because neither they or their adviser was looking after the pension pot.

I manage your money, change where its invested or how much risk to take depending on market conditions. You get your simple quarterly report to tell you how you are doing.

You get an agreed management service for an agreed fee, surely that's better than keeping your fingers crossed.