Heather is joined by Rory Brand from Johnston Carmichael Wealth to discuss all things pensions – the best time to make pension contributions; how early planning can be the difference between early retirement and having to work longer; and how investing the time to understand your retirement options will help you feel better prepared for your financial future. Arti Joshi from GO Radio tells us how she planned for the future by investing in herself, and we also hear from Fergus Muirhead who debunks some commonly misunderstood pension terms.

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