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M and M is authorised and regulated by the FCA to help you understand and plan for your financial needs in retirement.  The new Pensions Act came into force from April 2006, bringing the many and complex types of pension under one simple set of rules for everyone, whether employed or self-employed, in a final salary scheme or in a money purchase scheme.  We conduct an assessment of your present arrangements. We consider the level of pension that your present arrangements might expect to provide at retirement and then advise you as to how best to invest with the aim of providing the appropriate level of retirement income you need.  We also offer advice on taking your benefits in retirement, this can be a complex decision for many individuals, a team of pension experts at M & M are able to provide advice efficient and direct advice on this topic.