retirement date

218(in COBS 19.11) means:

1. (a) the age (according to the most recent recorded information available to the firm) when a relevant pension scheme member intends to retire, or to access their pension savings in a relevant pension scheme using a pension decumulation product, whichever is the earlier; or
1. (b) if there is no such age recorded by the firm, the date specified by the firm.