Pensions
Midlife money MOT checklist (ages 45–60)
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An interactive ten-point checklist for ages 45–60 covering pensions, State Pension, LPAs and the April 2027 pension IHT changes — modelled on MoneyHelper's Midlife MOT.
A ten-point checklist for ages 45–60 — the same areas MoneyHelper's Midlife MOT covers. Tick what you have already done; we highlight what to tackle next.
Your progress
0% — Early stages
0 of 10 items complete
How it works
- Tick each item you have already completed.
- Your progress score updates instantly.
- The next unchecked item becomes your suggested priority with a guide link.
Common questions
- When should I start this checklist?
- Ages 45–60 is ideal — early enough to fix NI gaps and late enough to see realistic retirement numbers.
- Do I need a financial adviser?
- Not for basics. Regulated advice is legally required for defined benefit transfers over £30,000 and for complex estate planning.
- Is drawdown always better than an annuity?
- No. Annuities provide certainty; drawdown provides flexibility. Many people combine both at retirement.