The public are confused and bemused

True Bearing Pension Specialists are contracted, by many major North West employers, to advise their employees at retirement.

These employers, in both the private and public sectors, value learning and understanding more about their pensions, in a classroom situation. So why is this type of pension education so important?

"In addition we see final salary pension schemes, struggling to survive. The personal pension market is changing rapidly, with new rules and new freedoms now in place."

George Critchley, chairman at True Bearing, says: "In truth the public don't stand a chance. With constant tinkering by various governments, over the past 30 years, Mr or Mrs Average have become completely confused and bemused.