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Retirement advice

Our retirement advice service will help you tackle retirement with confidence

Speak to one of our friendly advisers today

0800 032 9301
Lines open: 9am to 5pm Monday to Friday
Have a commitment free chat with a friendly adviser today0800 032 9301

Coronavirus update

Your peace of mind is our top priority

This is why we're regularly updating our statement on coronavirus and your pensions & investments with us.
What Coronavirus means for your pensions and investments

Why get retirement advice with us?

Retirement advice hands over the hard work of finding and setting up a pension or retirement product to a professional

Here are some reasons to get in touch...

  • Help you to make the right decision. Pensions are often large sums of money that you may need to rely on for your lifetime, be confident you choose what’s right for you.
  • Confusion to confidence. We have over 100 years’ experience and will guide you through the advice process, and explain the pros and cons of the different options available.
  • We put your needs first. We’ll provide a personalised plan and recommendations based on your circumstances, needs and plans for the future.
  • Peace of mind. We’re strictly regulated by the Financial Conduct Authority and we’ll help you safely make the most of your money.
  • Here to help. We’ll be by your side each step of the way; research, recommendation, decision, application and ongoing support. We’ll explain things clearly in plain English and avoid jargon.

Our advice process

Our tried and tested process follows three simple steps

It all starts with a chat

Call us for a free conversation, with no obligation. We’ll listen to you to understand what you’re hoping to achieve with your pension..

You’ll be allocated your own adviser to work with you from start to finish.

Our fees will be explained to you clearly and simply.

We’ll send you a welcome pack and some simple questionnaires, this will help us get to know you.

    Research and recommendation

    Your adviser will have a conversation with you to gather information and discuss your needs and objectives in detail. This will give us a clear picture of your circumstances and what you are trying to achieve.

    We will undertake a full review of all your personal, financial, and pension information. We’ll pull all this information together to research and recommend the most suitable solution for you.

    Your personalised plan will be presented and explained in a report, which we will send to you.

    It’s important that you fully understand our recommendations, so we’ll arrange a time to explain the report and ensure you are clear what we are advising you to do. It’s always ok to ask us questions.

      Set up your products

      When you’re ready to proceed, we'll action any recommendations that we have made.

      We’ll set everything up for you and keep you informed.

        Fees and charges

        Your initial consultation is free. Your advice report and explanation is also free, in most cases.

        We know how important it is to watch the pennies, so we make advice more accessible by offering our initial consultation and, in most cases the advice report, for free.

        If you choose to proceed with our recommendations then we will charge you a fee, it will be explained clearly right at the start.

        We’re pleased to say that we can usually deduct the fee from your pension; this is tax-efficient and can be more convenient than paying the fee directly.

        There are some specific circumstances where we do charge an upfront fee, if this applies to you it will be explained clearly when you contact us.

          From confusion to confidence

          We've been helping customers like you for over 20 years; we specialise in retirement advice 

          Specialist advice we offer

          We're also specialists in providing advice on these complex topics

          Combining your pension pots into one

          Do you know what pensions you have? How much are you paying in charges? Finding it difficult to keep track of them?

          It’s easy to end up with quite a few pensions dotted about here and there. It can often be a good idea to combine them all into one, because:

          • The charges you pay might be significantly less on a new combined pension than on your current pensions
          • You may find it easier to keep track of what you have and to plan for the future
          • A new pension may offer other advantages, such as a more suitable choice of investments or more flexible options for accessing your money

          Our advisers can look at your current pensions, discuss all your needs and priorities and then assess the best solution for you.

            Defined benefit pension transfer

            We have a number of pension transfer specialists who are trained and qualified to give advice about your defined benefit pension options.

            What does this mean?

            A defined benefit (DB) pension is sometimes known as a final salary or career average pension. It guarantees the amount of income you will get when you retire.

            It is sometimes possible to “transfer out”. This means that the pension is converted into a pot of money which can be moved to a different pension and accessed in a variety of flexible ways.

            If the value of your pension is more than £30,000 then it is a legal requirement to take advice before you can arrange to transfer your pension. This advice can only be given by a specially qualified pension transfer specialist.

            Our pension transfer specialists have lots of experience in this field and the appropriate qualifications and our advice process puts your needs and future security at the heart of our recommendations.

            We will carefully look at all your circumstances, needs and objectives and advise whether you should stay in your DB pension or transfer out into a different pension.

            Because this is a complex area of advice it is important to use a company you can trust. We have many years of experience and have been appointed to deliver advice to the members of pension schemes with household names like Dixons, Capita, Essar Oil and Teachers Pension Scheme.

              Retirement advice

              Ready to get started?

              Have a commitment free chat with one of our friendly advisers today

              Start your conversation by giving us a little more information about your pension and retirement plans
              0800 032 9301

              Mon to Fri - 9am - 5pm

              TextDirect: First dial 18001

              We will record and/or monitor calls for training and audit purposes.
              Request call back

              Annuity shop

              Looking for the best annuity rate without taking advice?

              If you've already made your decision, we have just the service for you...

              • If you have already decided you want an annuity (a guaranteed income for life) and don’t need advice, then our Annuity Shop will help you make the most of your money.
              • We shop around the whole of the market for you to get the best annuity rate.
              • Enhanced annuity rates are available for medical conditions and lifestyle factors like smoking.
              • We do all the hard-work for you, we make sure you understand the options, we get quotes from all available providers, we find the best rate, and we liaise with companies to set up your new annuity.
              Visit the Annuity ShopFind out more about annuities

              Frequently asked questions

              Got a burning question? We might have already answered it below. 

              If you can’t find what you’re looking for, just get in touch and we’ll be happy to help.

              View more FAQ's