Research suggests that those most at risk of enduring a more frugal retirement are those currently in their 40s and 50s. This group assume that they too will enjoy pensions system similar to their parents – generous income, and retirement in their mid-60s. This is sadly unlikely to come true and currently one in four (26%) retirees returning to work after dipping into their pension say it is because they are struggling financially. Planning effectively could help you to achieve the retirement lifestyle you want. Seeking professional financial advice could help to get you on the right track for you.