Pension Health Quiz

Fill out our quiz down below to get your score.

Pension Health Check

Is your pension on track for the retirement you actually want?

Answer ten short questions and get an honest, personalised Pension Health Score — showing you exactly where you stand, and where the gaps are, in about two minutes.

From April 2027, most unused pension funds will count towards your estate for Inheritance Tax for the first time. If you haven't looked at what that means for your family, now is the time.

1) Do you know the total current value of all your pensions added together?

2) Have you checked your State Pension forecast in the last two years?

3) How many separate pension pots do you currently have with different providers?

4) Do you have a clear target for the income you'll actually need in retirement?

5) When did you last review the investment strategy and risk level within your pension?

6) Are your expression of wish / beneficiary nominations up to date across all your pensions?

7) From April 2027, most unused pension funds will count towards your estate for Inheritance Tax. How aware are you of what this could mean for your family?

8) Do you have a clear strategy for how you'll draw an income from your pension (drawdown, annuity, tax-free cash timing)?

9) Have you had professional financial advice on your pension in the last three years?

10) Overall, how confident do you feel that your pension is on track for the retirement you want?


© 2025 Western Financial Planning Ltd. All rights reserved.

These Health Checks are simple self-assessment tools for general guidance only. They do not consider personal and financial circumstances and are not a personal recommendation or financial advice. The value of investments can fall as well as rise and you may get back less than you invested. Tax treatment depends on individual circumstances and may change in the future. Respondents should speak to us before making any decisions about their pension or investments.