Expert advice from our team

Work with one of our advisers to get retirement ready

Call today to book your free appointment

0800 032 8324

Lines open 9am to 6pm Monday to Friday

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How we work

Our advisers work with you to create a tailored retirement plan

By using our advice service you can be confident you’ll get recommendations that make the most of your pension savings.

Step 1: It all starts with a chat

The first conversation is free and you won’t be under any obligation to use the Advice Service. You’ll be able to talk through what you want to do with your pension savings and what’s important to you.

Our fees will be explained to you clearly and simply right from the start. If you’re happy with the fees then we’ll move on to step 2.

Step 2: Research & recommendations

In step 2 your adviser will gather information from you to better understand what it is you want to do with your pension savings and retirement planning. Your financial, pension and personal information will be reviewed so we can create the best plan for you.

We’ll also do the research needed to make sure you get the most suitable products to put the recommendations in place. You’ll get a personalised report outlining your plan and will go through this with your adviser to make sure you’re clear on what you’re being advised to do. And of course you will have the opportunity to ask all the questions you need.

Step 3: Set up your plan

If you’re happy with the advice and ready to go ahead, we’ll put in place the recommendations your adviser has made. Often we’ll be working with other product and pension providers and so how long this part takes will vary. We will keep you updated and you can call your adviser if you have any questions.

Once everything is set up we’ll make sure you get all your paperwork and ask if you want to sign up to our ongoing review service where each year we’ll let you know how your plan is doing.

Meet the team

We have a team of expert advisers who can offer you our advice service.

Find out more about the team

Paying for Advice - How we charge for our services

You're paying for the advisers' professional expertise to find the best plan for you.

How much will you pay?

We’ll tailor your fee to how much work we need to do for you.

How to pay your fee

There are different ways to pay for your advice.

Paying later on

Most people won’t need to pay until we’ve made our recommendation.

Paying up front

In some cases fees are paid upfront.

How much we charge for the service will depend on what it is you want to do and your individual circumstances. You’ll always be told by your adviser what the fee will be and if you’re not happy to continue with the advice process that’s fine.

We’re pleased to say that we can usually deduct the fee from your pension; this is tax-efficient and convenient. Unfortunately that’s not always possible. For example we can’t take the fee from your pension when it’s a Defined Benefit scheme. If you need to pay us directly we will let you know at the start.

For most other retirement planning and investment advice it’s only when you’ve seen your report and chosen to proceed with our recommendations that we will charge you a fee and this fee will still be explained clearly right at the start.

If you’re looking to move money from a Defined Benefit (DB) pension scheme (a scheme provided by an employer) you will pay your fee upfront. That means that the fee will be paid after your chat with your adviser but before they start working on gathering information, researching and recommending.

Be Prepared

Your adviser will need information from you to review your situation and make the best recommendations

Preparing for your appointment so you have all the information to hand means your adviser can get started on creating your plan that bit faster.

Your adviser will start with the easy stuff, your name, address, date of birth and contact details. We'll need this to stay in touch and tailor your plan.
You'll need to have your pension details to hand. What kind of pensions you have, how much you have saved and which company provides each of your pensions, are all details your adviser will need to know.
Your adviser will want to know your salary and how much you are paying into any pensions you have now. You should be able to get that information from your pension provider.
Your state pension is also included in your retirement planning. Find out what you're entitled to.
To plan well for retirement you need to have an idea of how much money you'll need to cover your bills and expenses. Spend some time thinking about what you'll need when the time comes.

Call us to get the ball rolling today 0800 032 8324

Lines open 8:30am to 6pm Monday to Friday

For TextDirect: First dial 18001

We may record and/or monitor calls for training and audit purposes

Or request a call back