Pensions can be a very complex subject and you want to make sure that all information is available to you in order to make informed decisions about your retirement.

The Trustee, M&S plc and Capita cannot provide any financial advice when it comes to your benefits within the Scheme and will always recommend that you seek independent financial advice from an Independent Financial Adviser (IFA). An IFA can look at all your financial arrangements and help to you to come to an informed decision about your retirement.

If you don’t already have an IFA, you can find one in your local area by visiting MoneyHelper.

The Pensions Administration Team will require a letter of authority from you in order to release any information to a third party.