New pension rules came into effect on 6 April 2015. You now have more freedom over how you take money from your pension pot.

These changes affect you if:

•you’re 50 or over, and

•have a pension based on how much has been paid into your pot (a defined contribution pension).

Face-to-face appointments are available from Renfrewshire Citizens Advice bureau – to make an appointment please phone 0141 889 2121 and press option 2 then option 1.

Appointments can also be booked through the Pension Wise website at

Appointments are available on Tuesdays & Wednesdays.

If you have a defined benefit pension, one based on your salary and length of time with your employer you can still get information from these organisations:

The Pensions Advisory Service