Some aspects of pensions are complex and members are presented with difficult decisions to make. Should I transfer benefits into BPAS, should I pay additional voluntary contributions, how much cash should I take at retirement? These are just a few of the questions members may need to consider. It is natural that members will want advice to help them make the decision that is best for them. The Pensions Office can provide information about the scheme and the options available to members but they cannot provide financial advice. We recommend that members who need financial advice contact an independent financial adviser.