Statistically, we are all going to be living longer and, hopefully, healthier. That means more years in retirement and that, in turn, means we are going to need more money to allow us to enjoy those retirement years. Pension planning can be confusing and complex, but the need to plan properly is a growing concern to most people. Checking that your current personal pensions are working effectively for you is something best done now, rather than waiting until it is possibly too late. Switching to a new scheme, if that is appropriate, and regular reviews to ensure you stay on track, could make the difference between just getting by or having a more comfortable retirement.