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Planning for retirement can be difficult. It often involves delving into a jargon-ridden maze of facts and figures from both employers' pension schemes and personal pension providers.

Yet never has the subject been so important. Experts predict that within the next 30 years the value of our state pension will plummet. We will have to rely on a combination of employers' schemes and private pensions.

That is why The Independent has published a Guide to Pensions Planning. Sponsored by Equitable Life, a mutual life insurer, the easy-to-understand guide will explain all aspects of retirement planning.

For a free copy, call freephone 0800 137372 or fill out the coupon above and send it to the address given. It could be the best decision you ever made. It will certainly be one of the easiest.