It’s never too late or too early to start planning for retirement… 


The last year has brought change unlike anything we have experienced before. A 2020 survey by Money & Pensions Service found that one in ten people do not intend to plan their retirement finances at all and more than a third (36 per cent) of 50-70 year olds said their finances have been impacted by the Covid-19 pandemic. 

Nobody knows your finances and your needs like you do, as we all have different circumstances and aspirations. Having a pension in place is one thing that can give you longer-term certainty, safety and protection. 

At the Scottish Public Pension Agency (SPPA) we administer pensions on behalf of the Scottish Government for Teachers, the Police and Firefighters as well as for employees of the National Health Service in Scotland. Although SPPA has a lot of expertise in pensions administration, we can’t give financial advice at any time. 

There are many resources out there that can help you with planning for your retirement or financial decisions and you may want to seek help from a professional financial adviser. 
 

What happens if you need financial advice? 

Money Helper (formerly The Pensions Advisory Service) has a range of useful information from Pensions Basics right through to planning for retirement and retirement advice

You can also get useful information regarding financial advice from the Financial Conduct Authority, including tips on appointing an adviser and ways of checking that your adviser is authorised for the kind of advice you require. 

Did you know…?

We can release information to your financial adviser as long as we’ve received a written request accompanied by a mandate signed by you, authorising the release of the requested information. 

More information about the work we do at the SPPA can be found on our about us section of our website.