Points to Consider  

·      How long are you going to live?

·      Will your spouse live longer?

·      What income will you need until you die?

·      What income will your spouse need?

·      Will you need to vary your income?

·      What will the future level of inflation be?

·      What will your tax band be?

·      How much will you and your partners state pension be?

·      Is it possible to make extra pension contributions to boost your pension benefits

·      Have you other pensions still to come?

·      Are there any periods of employment for which you may have old retained benefits?

·      Has your spouse other independent pensions?

·      Are you expecting to inherit substantial sums?

·      Are you likely to have an inheritance tax liability?