Hands up those of you who are thinking about their retirement. Hmm. Probably not too many of you, right? But perhaps you should be.

We don’t want to come over all sensible and parental, but planning for your future has never been more important. The glory days of final salary pensions are fast becoming a thing of the past, and if you think you can rely on the state to look after you in your dotage, then you might be in for a shock. The retirement age is creeping up, and those of us who are perhaps now a little closer to the days of pipe and slippers than we are to the days of short trousers and playing with our conkers are starting to pay a little more attention.

And something that has recently grabbed that attention is pick-a.org, where you, sorry, "we" can get a head start on the planning for our twilight years.

They can find people to help with choosing an annuity - one of the trickiest things to get right. It's a bit of a minefield, and this goes a long way to simplifying the whole process. And best of all the service is free.

Give them a few personal details and they’ll display a list of financial advisers who can help make the final stretch to the finish line just as enjoyable as when we were all just coming out of the blocks. So to speak.

Now, anyone for a nice cup of Ovaltine…?