Charlene Young

Paul Davies, a pensions expert with Which? Money, and Charlene Young from AJ Bell explore essential retirement planning. They break down the differences between defined contribution and defined benefit schemes, highlighting the importance of workplace pensions and auto-enrolment rules. The duo also discusses finding and consolidating lost pension pots, as well as practical savings tips like employer matching and budgeting. Additionally, they clarify state pension eligibility and suggest effective steps to ensure a comfortable retirement.