Shaping your future – plan today, be ready for tomorrow
Retirement planning can feel a bit overwhelming and with busy lives, something for another day, but a good place to start is understanding what level of income you might need in retirement – and whether you’re on track for the retirement you want.
Are you aged 40 or over?
Explore Destination Retirement
Questions like ‘when can I afford to stop working?’, ‘how much income will I have?’, and ‘will my savings last?’ are not always easy to answer.
This is why the Trustee has arranged access for you to Destination Retirement*, a digital planning tool that helps take the guesswork out of planning for life after work.
The service is free to use. You only pay if you choose to activate your plan and receive personal ongoing professional support.
Who is it for?
Destination Retirement is designed for members aged 40 and over, who can benefit most from detailed retirement planning. If you’re under 40, the most important things are to make sure that you’re contributing as much as you can afford and that your Individual Account is invested well. Explore the tools and resources on the Contributions and Investment pages of the Fund website.
What can you do?
You can build your own personalised retirement plan, explore different scenarios, and see your options clearly – all at no cost to you. Destination Retirement’s digital tool brings together all your pensions and savings to give you a complete picture of your retirement finances.
Update your plan any time
Your life – and your plans – can change. Whether you are thinking about retiring earlier, working part-time, or adjusting your lifestyle goals, you can update your plan whenever you like.
Access professional support
While the tool is self-service, help is always available. UK-based retirement specialists can support you by phone or webchat, and you can get additional help if you decide you would like support to put your plan into action. Please be aware that you will be required to pay for this extra help.
Getting started
You can explore Destination Retirement at hubfinancialsolutions.co.uk/mmcuk
For more information about the retirement resources available to you, visit our Retirement page on the Fund website.
*Destination Retirement is part of Mercer Retirement Services, a range of options made available by the Trustee of the Fund to help members shape their future. The Trustee acts as an introducer to this service.
A handy guide to check if you’re on track
The Retirement Living Standards (published by Pensions UK, based on research by Loughborough University) give savers a reference point for understanding how much you could expect to spend in retirement:
Minimum
Covers your basic needs with a little left over for some leisure / social activities
Moderate
More financial security and flexibility, including a holiday abroad / longer holidays and regular meals out and social activities
Comfortable
Greater financial freedom and more choice, with extra leisure / social activities and some room for luxuries
The latest estimates are:
Single person
Minimum
£13,900
Per year
Moderate
£32,700
Per year
Comfortable
£45,400
Per year
Minimum
£13,900
Per year
Moderate
£32,700
Per year
Comfortable
£45,400
Per year
Two-person household
Minimum
£22,500
Per year
Moderate
£45,400
Per year
Comfortable
£62,700
Per year
Minimum
£22,500
Per year
Moderate
£45,400
Per year
Comfortable
£62,700
Per year
These figures have increased since last year due to rising costs. They also don’t include mortgage payments, rent or social care costs, so your personal target may need to be higher. Comparing these benchmarks against your own retirement plans can help you sense-check whether you may need to:
Save more
Consider increasing your monthly pension contribution, especially if you’re not currently getting the maximum Company contribution.
Retire later
The earlier you retire, the longer your savings will need to last.
Adjust your expected lifestyle
Review your priorities (such as holidays) and adapt to your personal circumstances and expected retirement income.
There’s more information in this useful guide on the Fund website: What does your retirement actually cost?
Find out more about planning for retirement: MoneyHelper.
Helpful links and contacts
Aptia
The easiest way to get in touch with the Administration team is by using the Contact Aptia Pensions portal.
Alternatively, you can contact Aptia by:
Telephone: 0330 100 3597
Post: MMC UK Pensions Arrangements, Aptia UK Limited, Maclaren House, Talbot Road, Stretford, Manchester, M32 0FP
When contacting the team, you should always quote your full name, date of birth and National Insurance number.
Gov.uk
This is the Government’s official website, where you can find information about everything related to tax, pensions and the State Pension.
Pages you might find useful are:
New State Pension – for people who reach their State Pension Age after 2016.
Find pension contact details – if you’re seeking to trace an occupational pension scheme but have lost the information.
A secure online portal where you can view your retirement savings in the Fund, review your investment options, and use the retirement illustrator to estimate your retirement income.
If you're currently employed by Marsh McLennan, log in with your usual single sign on details.
If you're a former employee, you can access OneView directly with your login details. If you’ve forgotten your credentials or need help logging in, simply follow the onscreen instructions.
The dedicated website for the Fund, featuring pension journey profiles and information about the Fund, including helpful guides on your investment options and retirement choices.
This service offers impartial help on all aspects of money, including benefits and savings. It is backed by the Government and free to use.
Prosper (for current employees only)
The benefits portal for Marsh McLennan employees, where you can change your pension contribution percentage during any of the monthly windows.
Disclaimer This content is for information purposes only. It does not constitute advice and you are responsible for obtaining such advice. The Trustee does not accept any liability or responsibility for any action taken as a result of solely reading it.
©2026 Designed by Marsh Impact
