This may be of interest to you if? • You have a deferred pension (an annual pension left behind in a previous employer's pension scheme). • Your employer is closing or considering closing, the firm's pension scheme and then winding-up the scheme. • You have received a letter from your employer's pension scheme setting out the choices and options available to you • You need an independent financial advice about your rights and options but do not have a financial adviser who can help you. • You have a private pension plan and are considering transferring benefits from a previous employer's pension scheme into that plan. • You have a preserved pension plan and are considering replacing if with another personal pension plan. Designed By: iTech Solutions NI Copyright © 2016 Carleton Financial Planning All Rights Reserved.