However, many people aged 45 to 70 could take action in order to boost their income in retirement.
They will only have a matter of months to act, unless they want to miss out on what could be a potential sizeable form of help.
Mr Cranwell explained: “People aged 45 to 70 who still have incomplete contributions for their state pension, such as those working abroad, still have an opportunity to buy these missing years back.
“They can recoup 16 years’ worth of contributions until April 5, compared to six years after that date.
“People would do well to take advantage of this while they still can especially with the uncertainty that lies ahead.