The business of retirement can seem, in fact is, very confusing. Ensure your spouse or partner uses as much as possible of his or hers as well. Twelve years of using your ISA allowance to the full ought to give you a pension equal to the state pension. Ensure you know all the details of all your pensions. In the case of defined contribution schemes, you should also check that you are free to go to other advisers for your annuity when the time comes.
Marriage is particularly important for tax reasons at retirement.
If you are living with a partner make sure you both understand the tax and pension implications of this. The two most important are that transfers between spouses on death are free of inheritance tax and that a surviving spouse might get an occupational pension, a partner will not. You need to make NI contributions for a full state pension. A man on low earnings may need as much as many as 44 years of contributions, but a woman only needs 39 years. Check to see if you are contracted out, if not think about doing so.