You could contact the Pensions Advisory Service helpline on 0845 601 2923. Their information is free but call charges may vary. You can also visit their website at www.stakeholderhelpline.org.uk

If you already have a financial adviser, you may want to speak to them about your retirement needs. If you do not have a financial adviser but want to talk to one, the following organisations can help:

• Unbiased: 0800 085 3250 or at www.unbiased.co.uk
• Institute of Financial Planning: 0117 945 2470 or at www.financialplanning.org.uk
• The Personal Finance Society: www.findanadviser.org
• Solicitors for Independent Financial Advice: 01372 721172 or at www.sifa.co.uk

Alternatively, contact the pension provider of your choice.

Remember that advisers may charge for any help or advice they give you, so check first on how much you would have to pay.

The next section gives further detailed information about stakeholder pensions, State pensions and how to track down old pension schemes.

Further information