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I am 77 years of age and divorced. I purchased a flat in 1999 for £90,000, and the approximate value now is £240,000. I don't use it as my main home and currently rent it out, so capital gains tax will be due if I sell. I would like to benefit my two grandchildren with this flat and wondered what would be the best advice for doing this.

Pension freedoms allowed retirees to take control of their pension savings, shifting away from the obligation to purchase an annuity, says Ed Monk of Fidelity. By 2024, 2.6 million people had accessed their pension funds flexibly, using them as income while keeping a portion invested for the future. So, how kind were markets to those who made this choice...?

Spend more of your pension financial advisers tell majority of retirees ahead of inheritance tax changes

One in ten advisers said they are undertaking a full review of the role of pensions in clients' plans.

Government issues urgent warning to millions over DWP payment set to be scrapped in weeks - here's what to do

Claimants of this benefit have until next month to apply for Universal Credit - or risk missing out on payments.

TPS send me a letter every year asking if my circumstances have changed in respect of marriage, civil partnership, cohabiting. If they do then I will stop receiving my widow's pension. How can they possibly know what my financial circumstances are to be able to judge whether I can afford to lose this money so how can this be fair?

Pension gurus on top-ups and the sums behind a comfortable retirement: The This is Money podcast

This week pension gurus Sir Steve Webb and Tanya Jefferies join Lee Boyce and Georgie Frost to talk all things retirement.

My dad is going to gift me £90,000 to sidestep inheritance tax - will I still be able to claim Universal Credit?

He has decided to give some money away now to me and my sister and will give us £90,000 each for a pension, but I am worried I will lose my Universal Credit entitlement.

Our readers have blasted long delays and lost top-ups payments. Jan Wright, pictured centre, was told by the DWP it would take six months to increase her state pension. Janice Mazi, left, was given botched advice about top-ups by HMRC, which then failed to pay a promised £1,400 refund. Alison Lumb, right, handed over cash which went missing last spring.

Just a month to go to buy missed National Insurance years: Do YOU need to act now to boost your state pension?

As long as you get a payment or callback request in by 5 April. you can buy missing years going back to 2006/07. After that you can only go back six years.

Five minute trick that'll buy you time to top up your state pension: The deadline is looming - here's what you need to do NOW

There's just one month left to make NI top-ups to increase state pension entitlement - but there's a simple trick you can use to extend the deadline.

Why do experts say I need MORE than the average salary for a comfortable retirement?

Has Steve Webb answered YOUR retirement question yet? Read all his previous replies about pensions here

Former Pensions Minister Steve is This is Money's Agony Uncle. Here's where you can check out all his previous columns to see if any involve issues affecting you.

Most popular STEVE WEBB columns on private pensions: The 12 hot topics, from tax-free lump sums to inheriting pots and dealing with financial advisers

This is Money's star agony uncle Steve Webb receives many questions on private pensions. We've compiled his columns on 12 frequently raised topics.

Most popular Steve Webb columns on the state pension: The 15 hot topics, from what couples can inherit, to deferring payouts and buying top-ups

Steve receives more questions about the state pension than anything else, and we've compiled his columns on the most frequently raised topics here.

The expert ways YOU can track down your lost pension, revealed by SIR STEVE WEBB... who has netted £140k of missing pots for readers

Reverend Philip Stamp was sure he remembered saving into a pension during his days before the priesthood, when he worked at a brewery in the 1970s.

The annual rise will not kick in all at once for everyone, because the state pension is paid four weeks in arrears and on different days of the week. The headline state pension rates will be hiked by 4.1 per cent under the 'triple lock'. Older people should bear in mind though that not all elements of the state pension are increased according to the triple lock. Here's what you need to know.

Men more likely than women to challenge a will if they feel they have not received enough money

Some 41% of men are prepared to contest a will if they believe they deserve a larger share, compared with just 30% of women, the survey for law firm Lime Solicitors found.

I'm 70, worth £530,000 and want to leave my wealth to charity, will I owe inheritance tax?

I am 70-year-old man, single, and in reasonable health for my age. I do not have any siblings and would like to give the bulk of it to charities on my death.

My last surviving daughter died of cancer aged 56 last May and I have been sorting out her affairs as executor. Most organisations have been helpful, but I am hitting a brick wall with Aviva over her pension. I have asked if most of the policy can be paid to her two brothers. But nothing gets done.

EXCLUSIVE'I'll be working when I'm 70': Less than a third of Generation X are on track for a comfortable retirement

Only 28% of Britons aged between 45 and 60 are on track to meet their retirement savings goals, data seen by This is Money shows.

How much can you give away to beat inheritance tax? Wealth experts share their tips on how to gift

What can you do to cut inheritance tax and how can you make the most of gifting rules? We got some wealth experts' top tips.

Many older people, particularly those with poor health or no internet access, are losing out on financial support due to 'long and complex' application forms that can take over four hours to complete, charity Independent Age has warned. Elderly charity Independent Age is calling for the government to simplify the process for older people to access basic entitlements such as pension credit and housing benefit. One pensioner, 69-year-old Susan, said she was reduced to tears by the process. 'Not only were the questions difficult to understand, dwelling on all of the things that I am no longer capable of doing sent me into a very dark place,' she told researchers.

I'm 68 and last week I spent £189,000 on an annuity to protect me from inflation for the rest of my life

I spent £189,000 of my life savings on an annuity. I'll get £12,434.88 in the first year. But the beauty of it is, every year the annual amount I get will increase by 3 per cent.

How much money can I withdraw over the counter from my bank in one go - and can it refuse me without plenty of notice?

How much money can you take out from your bank at the counter? And can you just turn up to your bank to take it out or do you need to call ahead and give notice?

Since last summer the Government has received 235,000 pension credit claims, up from around 130,000 in the same period the year before. But some 114,500 applications were rejected, which was a 133 per cent jump in claims not awarded compared with the year before. The Government's decision last summer that Winter Fuel Payments would be means-tested in future sparked an outcry from charities and campaigners for the elderly.

I quit high-cost Britain to live on never-ending holiday in the Caribbean. Here's how I did it - and how YOU can too

After Karen Evans had a health scare four years ago, she and husband Neil decided to turn their backs on the cost of living in the UK and retire - on holiday.

My mum was convinced to put £25,000 in a secret investment scheme: TONY HETHERINGTON investigates

After a few interest payments were made, and despite withdrawal requests since 2023, no money has been repaid and no further interest has been received.

We have no children, but were foster carers to two young girls, one is now 19 years old and the other is 16 years old. We wish to leave any assets to these young women, but in a way that protects them from potential 'predators', or their own lack of financial acumen, but gives them support as and when needed.

Is your workplace pension a dud? We reveal performance of best and worst funds - and what you must do NOW to save your retirement

Workers saving into some of the UK's most popular workplace pensions could be left hundreds of thousands of pounds worse off in retirement because their scheme is performing badly.

Simple trick to give your radiators a new lease of life and cut your energy bills as April price cap rise looms

Households that control their central heating more economically will cut costs, but there's another simpler way that might save you over £100 a year.

Pensions are going to become liable for inheritance tax like other assets such as property, savings and investments starting in April 2027. Some 54 per cent of investors polled by Interactive Investor plan to change financial strategy to stop their retirement fund falling into the hands of the taxman.

I'm 51 and have £150 a month spare to invest until I retire at 60 - should I put it in a pension or an Isa?

I'm already contributing to a workplace pension, and I have a pot currently valued around £180,000. So what is my best option? Ray Black of Money Minder replies.

The incredibly simple money hack that could boost your pension pot by thousands - and bump up your pay packet at no extra cost

The old adage 'if it's too good to be true, it probably is' almost always applies when it comes to money matters. But there is one exception.

Age UK is campaigning against the Government's decision to means-test the Winter Fuel Payment, and today delivered a petition signed by 650,000 people to Number 10 Downing Street. The payments, worth from £100 to £300 a year, were withdrawn from pensioners who don't qualify for pension credit this winter.

Retirees may have to pay tax on the state pension as early as next year, analysis suggests

Annual state pension payments could soar by 5.5 per cent to £12,631 in April 2026, according to Deutsche Bank forecasts.

Are you a renter, self-employed or a single parent? Experts warn your retirement is at risk

Less than four in ten households are saving enough for a 'moderate' retirement, a new report warns, and some groups are most at risk of falling 'way behind'

A Government spokesperson said: 'Due to customer feedback these changes have now been withdrawn. This means people will be able to view their state pension forecast as they were before. We apologise for any confusion caused.' The new format was launched as many are checking forecasts ahead of a crucial deadline for a special deal to buy state pension top-ups and boost payments in retirement. Steve Webb,This is Money's retirement columnist, said: 'It does seem astonishing to change the format quite significantly just a couple of months before a make-or-break deadline. You can see from our readers that they cannot have tested it much.'

Encourage cash Isa savers to invest… don't do it by force, says LEE BOYCE who believes having choice over our finances is vital

At This is Money, we respect the Individual Savings Account so much that we choose not to cap up its acronym - for us, it's an Isa (not ISA).

I've got £254,000 in cash Isas… should I worry about the tax wrapper being cut in the near future?

I have built up a large cash Isa pot over a number of years and currently have around £254,000 saved. Would I be correct that they cannot tax me as it's already been in an Isa?

The 'hidden epidemic' of financial abuse often doesn't come to light until after a vulnerable person has died, according to the Step body of inheritance advisers, which has launched a new 'spot the signs' campaign. It cites figures from the charity Hourglass, which focuses abuse and neglect of older people, and has seen a 49 per cent increase in calls from older victims of financial abuse in the past year.

£6billion of benefits are unclaimed every year - and many older people miss out. Here's what you need to do to get £6,600 a year more

More than one million households are missing out on financial support they are entitled to - often because they don't realise they are eligible, or don't know how to claim.

Cash Isas vs investing: Here's how returns on £10,000 compare since 1999 as tax-free savings come 'under threat'

Financial firms have lobbied Reeves in recent weeks, claiming that the £421bn currently held in cash Isas could be put to better use in investments.

Total sales were worth £7billion last year, a 34 per cent increase on 2023, according to the latest data from the Association of British Insurers. It notes that seven in 10 buyers shopped around and chose a different provider to the one where their pension fund was held. There was an increase in sales of both joint life annuities, which generate a lower income but provide a pension to a surviving spouse, and escalating annuities which offer protection against inflation.

If you're earning less than 4% on your cash in a month's time, you MUST move accounts, says SYLVIA MORRIS

Savers - I urge you to check the interest rates on your easy-access accounts constantly in the coming weeks, but don't necessarily switch yet.

Inheriting an investment portfolio can boost your finances - but do you keep it, sell it... or give it away to avoid IHT?

Here are the 10 steps to take when assuming control of investments left to you by a loved one.

My wife is an executor of her uncle's will. He has an estate valued at approximately £500,000. He is leaving 70% to various charities and the remaining 30% to family. My wife was told that she may be liable for any tax the charities have to pay which I think is incorrect? Estate planning expert Ian Dyall replies.

Do YOU dream of retiring on £49k a year? Find out how to make that a reality... including ways to squeeze more pension cash out of your employer

Workers saving for retirement under auto enrolment are set to miss their pension income goal by well over £12,000, new research reveals.

Britain is 'sleepwalking into a pensions crisis' as Labour delays auto-enrolment review, warns retirement boss

Andy Curran, chief executive of giant Standard Life, said the minimum savings level of 8% through the scheme is 'simply not enough'.

My husband has been bedbound in an NHS hospital for about four months and has lost a lot of muscle and weight. The doctors want him to go home between treatments to avoid succumbing to infections. I won't be able to cope without night nurse cover, which the NHS won't provide, so I have to hire private carers.

Are you paying too much tax? More than 2.3M miss out on a pension boost by not claiming tax relief

Some 56% of higher or additional rate taxpayers - equivalent to 4.9m adults - pay into a personal pension, such as a self-invested personal pension.

'I'd be happy to move in myself': Meet the businessman on a mission to give care homes a good name

Care homes are in crisis mode, due to increased demand and the challenging economics, but Chris Mitchell has a plan to change that.

The world of retirement saving has changed dramatically in my working career. The single biggest transformation has been the shift in responsibility. If I'd started my career in the 1970s, I would have very likely had a final salary pension. I would have contributed little, if anything, and the payouts would be guaranteed. If investments flagged, my employer would make up the shortfall. But I began working in the 1990s. As a result, it will be me, not my employer, who shoulders the risk of investments paying less than we'd hope. It will also be down to me to work out how to make that pot last for my retirement lifetime.

End of the passbook at Nationwide as building society plans to replace them with cards

Nationwide says fewer than 2% of its members use physical notebooks in which deposits and withdrawals are recorded when made at a counter.

Less than one in five young workers know exactly where all their pension pots are, new research reveals

Those aged 18 to 34 will be at increased risk of losing more of their retirement funds as they are likely to accumulate more pension pots over the years.

The size of the current backlog is unknown, but applications are processed in date order, and as long as you get your payment in by 5 April you will benefit from a special deal. Nigel Taylor, pictured, paid £2,700 last July after first checking with staff which years to buy. He celebrated his 66th birthday at the end of December, but he was forced to put off taking his state pension because only some of his top-ups had been processed.

HSBC blocks pensions to Hong Kong exiles: Thousands denied access to almost £1bn of life savings

They sought sanctuary in the UK after escaping a crackdown on pro-democracy protests and the introduction of repressive national security laws.

Why do banks go 'down?' Here's how make sure you can still get money next time YOURS has an IT disaster...

We reveal why banks suffer service outages, as well as five ways to make sure you're not left in the lurch the next time yours is unavailable.

Oxford Risk asked people whether they were comfortable with the risk associated with having their pension invested in the stock market after retirement, and got a mixed reaction. Some 70 per cent of over-55s said they would receive a state pension or already do so, which at the current full rate provides £11,500 a year until you die.

Final salary pension fund surpluses worth £160bn to be unlocked to boost economy as government looks to remove growth 'blockages'

Employers and trustees of well-funded schemes will be allowed to strike new deals to permit 'surplus extraction' and unlock billions of pounds of investment.

Why downsizing early could make you a mint - property experts reveal why selling up NOW will be the right decision for many

Downsizing can be either the most distressing or liberating move of your life. Leave it too late and it can cause all sorts of heartache and sacrifice; but go early and you can reap plenty of benefits.

The Government's plan to make pensions liable for inheritance tax has upset a lot of families' plans to protect estates from the taxman. Its intention to levy inheritance tax on death benefits too has received far less attention, but could be even more significant to some grieving relatives. if you nominated other adult children or anyone else to receive death benefits, or if you get divorced, money experts are advising people to review this in light of the changes pending in spring 2027. Here's what you need to know.

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Latest from Pensions

• Plan to let parents fix holes in state pension records if they didn't claim child benefit given green light
• Could this hot shot lawyer defy ministers and finally win £10.5bn for the betrayed Waspi women
• How the pension freedom 'class of 2015' nearly doubled their money
• Has Steve Webb answered YOUR pension question? Read all his replies to readers' retirement queries
• State pension top-ups backlog fear: Deadline is relaxed as our readers battle long delays
• Why does the teachers' pension scheme keep asking if I've remarried? STEVE WEBB replies
• Help! My state pension credits are missing: STEVE WEBB urges everyone to 'spring clean' their NI records
• Should I buy extra NI years to increase my state pension before the 5 April deadline?
• How much will YOUR state pension rise by in April? Some key elements will go up just 1.7%
• Why do I need MORE than the average salary for a comfortable retirement? STEVE WEBB replies
• Huge jump in pension credit claims as older people try to hang on to Winter Fuel Payments

MORE HEADLINES

While many people dislike the idea of an annuity, the alternative means keeping your pension invested in retirement and managing it yourself - a process that can be confusing and full of pitfalls. So here's a checklist, from investing, to income, taxes, the state pension, inheritance, illness, financial advice and much else.

How is inheritance tax calculated and what grieving families MUST know about the levy

The 40% inheritance tax rate is drastically high - but only applies if you have amassed enough assets for your loved ones to become liable on some chunk of them.

Why you need to sort out Lasting Power of Attorney whatever your age: The vital financial failsafe to help your loved ones

Appointing someone you trust, usually a family member or friend, as an attorney to take control of your affairs if you fall ill is a relatively straightforward business. Here's how it works.

Turning your pension funds into an income that can replace your salary is among the most important financial moves you will make in your life. Here, we look at what you can expect from your work scheme as you get closer to retirement, and round up expert advice on how to maximise what you will have to live on in old age.

Investors can rack up big losses early on and never make them up if they aren't careful. People who persist in taking an income in those circumstances can pile up future problems. But you can put defences in place against market shocks before you retire, and there are ways to overcome investment setbacks in the early years too. Find out how...

How to claim Personal Independence Payment: If you struggle with daily tasks or getting about, you could get financial help

PIP is tax free and is not affected by your income or savings, or most other benefits. We explain the rules, how to apply, and where you can turn for help below.

Can YOU claim pension credit? Here's how to top up your income to at least £203.85 a week if you are elderly and struggling to pay bills

Pension credit boosts your weekly income and opens the door to a lot of additional help with housing costs, heating, council tax, TV licences and other bills.

The bond market crash in recent months has drawn attention to a little-known or understood investment strategy that many workers are 'defaulted' into in the run-up to retirement. Some older workers have discovered to their horror that they are sitting on huge losses right on the brink of retirement , which they might be forced to delay as a result. Here's what you need to know about pension lifestyling...

How to top up your pension for easy investing with a tax relief boost: The simple (and potentially cheap) option

If you are new to investing, and feel lukewarm at the prospect, one easy and potentially lower cost option open to people with a work pension is to top up investments already held in their retirement fund.

Could YOU claim pension credit? Claims have spiked as bills soar, so what are the rules - and why might you get refused?

Pension credit tops up weekly income to a minimum of £201.05 for single people and £306.85 for couples, and it can be more if you are a carer or disabled.

This depends on when the surviving partner reaches or has passed state pension age and their spouse's date of birth and National Insurance record. What you might get if anything is far more limited if you reached or are still due to reach state pension age after April 2016.

What are the pensions annual and lifetime allowance? How much you can save without a tax hit - and why one limit was scrapped

Everyone is allowed to save for retirement out of untaxed income up to a pretty generous level every year, including the highest earners. So how does it work?

Six maths lessons everyone can learn to get richer: A money expert reveals the most useful - and profitable - real world sums

Prime Minister Rishi Sunak recently announced his intention for school pupils to learn maths to age 18. What would a real-world curriculum to help youngsters understand personal finance look like?

Modern work pensions are essentially cheap investment products provided and subsidised by employers. At a time when money is tight, it's worth exploring what they can do for you - including some obscure and surprising add-on benefits. Auto enrolment into work pensions takes the hassle out of saving for retirement, but you could be missing a trick or two by not looking any further than that.

What to do with your pension at retirement: A five-step guide to sorting it out and generating a comfortable income for your old age

When it's time to stop work and enjoy retirement, you need to make the most of the money you have saved. That means turning pension funds into an income. We explain what you need to know.

Should you combine your pension pots? It can make retirement investing easier (and potentially cheaper)... but beware losing valuable perks

Savers collect a string of pension pots during their working lives but many never bother merging any of them. It is not always advisable because you can lose valuable benefits - here's what to weigh up.

Elderly women could receive nearly £1.5billion in state pension arrears after being shortchanged for decades, the Government admitted this week. A lot of women are understandably asking if they missed out on thousands of pounds in state pension, and we explain how to find out and what to do if you are owed money by the DWP. The scandal was uncovered by former Pensions Minister Steve Webb and This is Money, after we launched an investigation into a reader question to his weekly column in early 2020.

New state pension age: As we're all told to work longer, when will you be able to retire?

We explain changes to the state pension age, so you can find out when you will be allowed to retire

How to split pensions in a divorce: The three main options explained - and the many pitfalls to avoid

Pensions are often neglected in divorce settlements despite their value to both partners. Find out how they can be divided fairly and some of the worst traps.

No one wants to save up all their working life for a decent retirement only to get stuck with an avoidable tax bill. Unfortunately, there are many tax traps for the unwary when it comes to pensions. It's especially important to find out about them if you decide not to get financial advice when you start tapping your fund. We asked pension experts for their tips on what trips people up the most often, and how to keeping a retirement fund as safe as possible from the taxman.

What should you do with your pension if you fall terribly ill? This might be no consolation, but it can relieve money woes

It will be little consolation for the loss of your health, but there are ways to use your pension pot to relieve money troubles should you find yourself in this sad situation.

Cost of living survival guide for pension savers: From tanking investments, to soaring bills and lost pots... 10 ways to get your retirement fund on track

If you are worried about your retirement fund and ability to keep saving or make ends meet, we will help you shore up your finances in hard times.

There are many legal ways to dodge the dreaded 40 per cent 'death tax' if you want to pass on the maximum sum possible and are prepared to plan ahead. Here's our round-up of 10 ways to reduce or avoid a large inheritance tax bill, some of which can be undertaken easily by any ordinary person without the need for elaborate arrangements or to pay for professional help.

Do YOU know your tax code? An expert explains how to discover if you are paying the taxman too much (or not enough)

Do you ever receive your tax code in the post, look at it and not really understand what it means? Tax expert Heather Rogers explains how to check it is correct, so you don't overpay tax.

Tax code blunders by HMRC: Errors can cost you dear, so how do you get them fixed and complain if the taxman won't budge?

Have you received a tax code for 2022/23 that is incorrect? Tax expert Heather Rogers explains the most common errors that crop up, and how to get HMRC to put them right.

Hoard your pension and spend other cash and investments first, to keep your money away from the taxman. That's the advice experts dish out to retirees worried about inheritance tax. But anyone who wants to minimise their annual income tax, or use up their capital gains tax allowance efficiently, might also benefit from not spending a pension first.

What's the best way to max out your pension contributions while on maternity leave, or boost them when back at work?

Ideally I'd like to carry on paying my current higher contributions and getting them fully matched by my employer. Do I have a right to this?

Are you executor to a will? How to apply for probate and deal with someone's estate after they die

When someone dies it is essential to deal with their estate, which is made up of their home, savings and investments and belongings. We explain probate.

Job switching, auto enrolment with every move, and people's tendency to lose pension information and not update schemes with contact details are all behind the rise in orphaned pots. The cost of living crisis has highlighted the importance of tracking down lost pensions to boost your eventual retirement income, according to an industry campaign to help people find them.

Could YOU get care fees 100% funded? Find out the six key steps to applying for NHS cash to cover your bills

You can get care fees fully funded on the NHS but what if you are rejected? The 10 key steps to mounting an appeal

We decode some of the jargon, from the more commonplace to the exotic, that you might come across when exploring your pension options. It comes as research shows that while savers heartily welcomed pension freedoms launched in April 2015, they feel baffled and overwhelmed when dealing with the new choices opened up to over-55s of spending, saving and investing their retirement pot.

We expect to survive long enough to gift our pension drawdowns and apply the seven-year rule on gifts, to avoid inheritance tax. But if we could gift them as excess income and avoid the need to apply the seven-year rule, it would be much better. Would it affect the way we draw down and gift, for example monthly, or is annually acceptable? William Stevens of Killik & Co replies.

Our daughter and her family live with us, but she will only inherit a third of the house - how can we help her?

My daughter, her partner, child and baby due this spring live with us as they cannot afford to rent or buy somewhere. Lawyer Rachel Waller tackles the issue.

My 86-year-old mum gave me £90k which I invested in a buy-to-let: If she needs care will this count as 'deprivation of assets'?

Will the money invested in our rental property have to be handed back to pay for any ongoing care for my mother? Lawyer Ben Tyer, pictured, replies.

Now that, as of April 2027, my pension pot will be included in my estate for inheritance tax purposes, is there any advantage for keeping it in a pension plan? Should I instead draw down annually the amount to fund my lifestyle plus £20,000 to invest in an Isa until the pension pot was empty. Ray Black of Money Minder replies.

I inherited a tax-free pension from my husband who died before 75: What happens after the Budget and does my son face 'double tax' hit?

My husband died before the age of 75 and I inherited his Sipp. Will I still be allowed to draw on it tax free from April 2027?Financial planner Michelle Holgate replies.

I'm 41 and never considered inheritance tax a problem but if I died would my children now lose a big chunk of my pension?

My children would have been able to have the house, our savings and pensions without losing any money to inheritance tax.

My mother at present is fine and well. Would there be any repercussions if my brother and I were to buy her house, which is worth approximately £180,000, and she has about £20,000 in the bank. We are just trying to think ahead in case she has to eventually go into a home. I know she is well under the £325,000 for inheritance tax. Lawyer Ben Tyer, pictured, of SAS Daniels replies.

Latest from Pensions

• Plan to let parents fix holes in state pension records if they didn't claim child benefit given green light
• Could this hot shot lawyer defy ministers and finally win £10.5bn for the betrayed Waspi women
• How the pension freedom 'class of 2015' nearly doubled their money
• Has Steve Webb answered YOUR pension question? Read all his replies to readers' retirement queries
• State pension top-ups backlog fear: Deadline is relaxed as our readers battle long delays
• Why does the teachers' pension scheme keep asking if I've remarried? STEVE WEBB replies
• Help! My state pension credits are missing: STEVE WEBB urges everyone to 'spring clean' their NI records
• Should I buy extra NI years to increase my state pension before the 5 April deadline?
• How much will YOUR state pension rise by in April? Some key elements will go up just 1.7%
• Why do I need MORE than the average salary for a comfortable retirement? STEVE WEBB replies
• Huge jump in pension credit claims as older people try to hang on to Winter Fuel Payments
• 'I'll be working when I'm 70': Less than a third of Generation X are on track for retirement
• I'm 68 and last week I spent £189,000 on an annuity to protect me from inflation for life
• Will YOU change your pension plans ahead of the inheritance tax grab?
• Retirees may have to pay tax on the state pension as early as next year, analysis suggests

MORE HEADLINES

Pensions essentials

•  
  State pension age: when will you retire?
•  
  How to invest your pension in retirement
•  
  Tracking down your old pensions
•  
  How to defend your pension from the taxman