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Independence at last and an income to dispose of. No matter how much money you earn in the future, there will always be the capacity to spend it. But it is likely that some quite major costs lay ahead. The new car, the first house, marriage, children, etc.

A considered now could save a lot of pain and disappointment later.

Retirement may seem a long way off, but the right choice now will give you peace of mind when that time comes.

Retirement Planning Associates Limited is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/Pages/register/). FSA Registration No: 403829

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