You can now request a Wealth Report. It's a plain-English report on your own figures: your NHS pension, State Pension and savings, projected to your State Pension age and set against the income you want in retirement.

It shows what your pensions come to at that age and the first age you'd reach your target, then prices scenarios against that target. Where your pensions come out above it, those include retiring earlier, working fewer hours and taking the most cash while keeping your target. Where they come out below it, they include retiring later, earning more and buying additional pension. If you have the McCloud choice for your service from 2015 to 2022, both options are shown side by side. The report recommends no date, scheme option or lump sum.

You start by answering a questionnaire. We read your answers to check we can build your report, and nothing is charged at that stage. Once they check out, we email you an invoice, which you pay when you're ready.