It used to be that an individual would happily retire on the pension their employer had been contributing to, with the employee not having to worry.  Things have changed and retirement planning, now sits firmly with the employee, as Darren Laverty comments.

“Nowadays, the responsibility for retirement income lies firmly with the employee.  The state pension may still be there but the onus is now very much on the individual, so employees need to be empowering people with the knowledge to make good decisions.”

Read the article in full as featured in Employee Benefits magazine.