There is no doubt that hanging up your jacket and finally retiring to a life of blissful days and ignoring the morning alarm clock has become more difficult over the last few years.

New research suggests that 43% of advised clients expect to work past standard retirement age and 29% are actively considering retiring overseas.

Almost half of peopled aged over 50 do not have a detailed retirement plan while only 16% of UK adults are ‘totally confident’ they have enough money to retire in comfort, according to a new UK Retirement Confidence Index.

A third (32%) of Britons rank pension planning as their lowest 'life admin' priority, according to research from Standard Life.