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This work provides a layperson's guide to the complexities of pension provision and the options avalible. Sue Ward's advice is intended to give any individual the advantage of being informed about the choices open to them. The contents include: the state pensions scheme; the different types of pension schemes (run by the employer, personal, stakeholder); contracting out of SERPs and the S2Ps; the legal rules; changing the scheme; negotiating the package; information for members; the role of the trustees; what happens ot the money; safeguarding the benefits; and what to do if things go wrong.