It’s never too early to start thinking about how you’re going to fund your future. But as we inch closer to drawing our pension, what are your crucial action points?

The latest government shakeup of pensions has created new opportunities for those coming up to retirement. The options are increasing, giving you greater access to your pension pot than ever before. These new freedoms will give us greater access and choice to our retirement money than ever before.

But with this new control comes greater responsibility and it is crucial that you fully understand all your options before you commit to any plans that could affect you for the next 20-30 years.

That’s why unbiased.co.uk and Prudential have joined forces to bring you a pre-retirement checklist. This checklist clearly explains what you should be thinking about depending on where you are in the retirement process: 10 years, 3-5 year or 6 months. It also offers useful actions points, helpful tips and key questions you should ask your financial adviser.

Vince Smith-Hughes, head of business development at Prudential explains that more choice and complexity, is great for the consumer but means there are also plenty more possibilities. “This checklist is designed to make people start to think about their own retirement issues, and to ensure that along with the aid of an adviser they are in the best possible financial shape as they approach and enter retirement.”

>>>Find out more and download the checklist.