Planning for retirement looks very different today than it did for previous generations. With many people now building up multiple pensions across different employers – alongside changes to the State Pension Age – understanding what your future income might look like has become increasingly complex. It’s no surprise that many pre-retirees feel uncertain about whether they will have enough to live comfortably once they stop working.
In a recent Money Q&A in The Scotsman, Chartered Financial Planner Andrew Sutherland explores the importance of clear, personalised financial planning in the years leading up to retirement. From reviewing existing pensions and factoring in inflation to understanding benefits and investment strategies, thoughtful preparation can bring clarity and confidence to what often feels like an overwhelming stage of life.
Read the full Q&A in The Scotsman here.
Editor’s Notes
Published in Scotsman Money 2nd March 2026.
The information provided is the opinion of Andrew Sutherland, Chartered Financial Planner and should not be considered advice. A pension is a long-term investment. The fund value may fluctuate and can go down as well as up.
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