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We all know the importance of saving for retirement, and we know that we need to make sure our savings will last. But what do you do if your pensions is in a mess and you feel like there's no way out? Well, here are some tips on what you might have to complete in this situation.

First of all, take action. This might be hard but it's the only way you'll get anywhere. One way to start is by speaking to a financial adviser about how you can sort out your pension. But before this, collect a lot of information and documents on your pension so that when you speak to them they have everything they need. This information can include your pension scheme rules, any paperwork you have on contributions and how much you pay, and details of what company manages your pension.

Once you've done this, write down a full list of the problems you're having with your pension. Once you've completed this, you can then go ahead and speak to your employer about your problems. If your pension is with your work, they might be able to give you more information on what options there are for you. Once this is done, you can contact the Pension Regulator if your employer isn't able to help with your pension problems.

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