These external websites have useful tools to help you plan ahead for retirement.


Caterpillar has appointed Hargreaves Lansdown to provide a Retirement Service to DC Plan members. The information they provide can help you choose the best option at retirement and make the most of your hard-earned money.

Hargreaves Lansdown will start to contact you when you reach age 50. These communications will provide you with information you should consider in the lead up to your retirement to help you make the most of your savings and prepare for the future.

You can contact their Retirement Helpdesk directly with any questions on 0117 314 1798. You can also explore their online support including webinar videos, information about retirement options and planning tools at

Although we have checked that Hargreaves Lansdown are regulated by the Financial Conduct Authority and have a good reputation in the industry, neither the company nor the Trustee are specifically recommending them, or any other Independent Financial Advisor (IFA) to provide education, financial services, or products to the employee, and neither the Company nor the Trustee are responsible for the education, advice or products provided by Hargreaves Lansdown or any other IFA. It is for the employee to undertake their own due diligence and decide on the right adviser, and the right course of action, for them.

You can access details on where to find other regulated IFAs via the link at the bottom of this page.


You can access guidance on money and pensions through the MoneyHelper website. It brings together the support and services of the three government-backed financial guidance providers: The Money Advice Service, The Pensions Advisory Service and Pension Wise.

MoneyHelper offers free impartial advice about money issues and your pension. There are also online tools and calculators to help you keep track of your finances and plan ahead.

There are lots of ways to contact them for free and impartial guidance about workplace and personal pensions. Visit or call 0800 011 3797.


This is a government service from MoneyHelper that offers free guidance to anyone aged over 50 with DC pension savings. Find out about your options and book an appointment at You can also call on 0800 138 3944.

Only Pension Wise is authorised to give pension guidance under arrangements made with HM Treasury. Nothing on this website is pensions guidance under arrangements made with HM Treasury.

Finding an independent financial adviser.

You can get help finding an independent financial adviser using MoneyHelper’s Retirement Advisory Directory, at An adviser will usually charge for their time, although many will not charge for the first meeting. Make sure you understand the costs before agreeing to anything.

Please note that neither Caterpillar nor the trustees have any responsibility for, or liability in relation to, information provided by these external websites and services.

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