Hello and welcome to the Not the Martin Lewis podcast, which rather confusingly is an offshoot

of my normal The Martin Lewis podcast. The difference? Well, there are some subjects that are

outside my wheelhouse or I can't answer questions on due to regulations. So in this podcast,

I'm joined by specialists and I'm asking, not answering the questions. Well, it's me. I might chip in with the odd

note or two. And crucially, too, it's you who sets the agenda. It's all about getting answers to

your questions. And this week's pod is all about starting and saving in a pension and there's a lot

of info for you, including how do pensions actually work and what are they? Should you consolidate

your pensions? How to start your first pension? How to get totally impartial free guidance?

Stakeholder pensions versus Nest versus Sips? How much to saving your pension? Can pension

saving ever be too little or too late and loads more?

Just give it a listen. Play the theme tune.

I got bills. I got to pay. So I'm going to work for it. I got to feed. I got to this. What I really want to focus on. What I'm going to make sure everybody is.

Yes, welcome to this pensions podcast. What I really want to focus on today is private and company pensions. How do you get one? What do you do when you've got one and what decisions do you need to make? We'll be doing another Not the Martin Lewis podcast on how you take your pension money when at or near retirement. So this

focus is all about building up your pension pot in whatever form. Now I'm joined and delighted to be

joined by Charlotte Jackson, who's head of guidance at the Money and Pension Service, and Meher

Chow Guli, who's a wealth manager at Tideway Wealth. So before we do anything else,

you two have very different roles, and I think it's important that we understand them.

Charlotte, you're all about guidance. Meir, you're all about advice. What's guidance, Charlotte?

Guidances, we will tell you about the subject that you're interested and we'll guide you through some of the things

that you need to think about. But crucially, we won't tell you what to do and we won't

recommend products and services. So you couldn't tell me you need to put your pension with

X provider. But what you could tell me is the

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