Under new legislation, state pensions will be minimal, meaning that everyone should contribute to a company or state pension in order to assure security later in life. This guide explains how. Pensions are notoriously complicated, but this guide explains everything clearly and simply. It shows how forward planning can provide an adequate income in retirement and allow people to enjoy the activities and opportunities available. It provides savings plans for every income bracket, and details tax incentives using case studies and examples throughout.