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As final salary pensions disappear, more and more of us will need to take responsibility for our own retirement savings. Andy Haldane, Chief Economist at the Bank of England recently admitted that the best way to save for retirement "ought to be a pension, but it's almost certainly property".

So what's your approach to retirement income? Have the increased options for using your private pension pot influenced your decision? Do you feel you have enough information to make the choice that's right for you? We examine some of the options people face as they plan the financing of their later lives.

Call 03700 100 444 from 1pm to 3.30pm on Wednesday 14 September, standard geographic charges from landlines and mobiles will apply. Or e-mail moneybox@bbc.co.uk now.

Guests:
Tom McPhail, Head of Pensions Research, Hargreaves Lansdowne
Graham Davidson, Managing Director, Sequre Property Investment
Tom Selby, Senior Analyst AJ Bell
Ben Franklin, Head of Economics of an Ageing Society at International Longevity Centre-UK.

Presenter: Louise Cooper
Producers: Alex Lewis + Charmaine Cozier
Editor: Andrew Smith.