Further information

The main regulators of workplace pensions are:

• The Pensions Regulator (www.thepensionsregulator.gov.uk) and;

• Financial Conduct Authority (www.fca.org.uk), see page 8.

Individual complaints can be taken to the Pensions Ombudsman (www.pensions-ombudsman.org.uk), see page 8.

An outline of the New State Pension is provided on the GOV website (www.gov.uk/new-state-pension/overview).

The March 2014 Budget made important changes in the way private sector workers will be able to access pension savings (www.gov.uk/government/news/pension-reforms-eight-things-you-should-know).

Information on all aspects of auto-enrolment is provided by the Pensions Regulator: www.thepensionsregulator.gov.uk/doc-library/automatic-enrolment-detailed-guidance.aspx).

The Pensions Regulator provides Codes of Practice and other Guidance on:

• defined benefit (DB) schemes (www.thepensionsregulator.gov.uk/codes/code-funding-defined-benefits.aspx);

• public sector schemes (www.thepensionsregulator.gov.uk/public-service-schemes.aspx);

• defined contribution (DC) schemes (www.thepensionsregulator.gov.uk/codes/code-governance-administration-occupational-dc-trust-based-schemes.aspx, and: www.thepensionsregulator.gov.uk/trustees/checking-you-run-a-quality-dc-scheme.aspx#s11193).

The government is developing ideas for defined ambition (DA) pensions which are reviewed in a House of Commons report at: www.parliament.uk/briefing-papers/SN06902/pension-schemes-bill-201415-defined-ambition.

The Pension Protection Fund helps DB pension scheme members if their employer becomes insolvent (www.pensionprotectionfund.org.uk/Pages/homepage.aspx).

Pensions Quality Mark (www.pensionqualitymark.org.uk).

The TUC provides information on pensions and retirement issues (www.tuc.org.uk/economic-issues/pensions-and-retirement), and

Union Pension Services specialises in this area (www.unionpension.co.uk).

NEST is the government-backed multi-employer pension savings scheme (www.nestpensions.org.uk/schemeweb/NestWeb/public/home/contents/homepage.html).

The National Association of Pension Funds (NAPF) (www.napf.co.uk).

The Association of Consulting Actuaries (www.aca.org.uk).

The Association of British Insurers (www.abi.org.uk).

Individual Financial Advisers (IFAs) are listed at: www.unbiased.co.uk.