Ready for a top-up?

Those of your clients who belong to an employer's occupational
pension scheme are clearly better off than those who are not, but this
does not mean they will have an adequate income when they eventually
retire. There are a number of reasons why their pension may not measure up
to expectations.

Perhaps they have moved around from job to job and from scheme to scheme,
losing retirement benefits on the way.

They may not have joined a scheme until very late in their career -
clearly they will have

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