You don’t necessary have to be near the retirement age to gain pension advice, some people like to plan for the future, and there’s nothing wrong with this whatsoever.
The state pension may not be sufficient to your desire when you retire, and by starting to think about your pension early and perhaps seek pension advice, young people are able to consider whether that type of pension is enough.
Some people will take the view that they have plenty of time to think about a pension, but it can be too late, and time may literally start catching up on you, eventually finding you have no pension plans whatsoever.
Of course pension plans do not necessarily have to be ‘pension plans’. By this we mean it can be down to yourself and creating a large some of savings yourself. If you’re not one to contemplate the future, we recommend you do, at least to think about a savings plan, you can even get basic pension advice because eventually you do not want to end up relying solely on the state, because you’re likely to be restricted when you retire, leaving yourself with plenty of time to do what you want without the cash.