Quick answer: Our guides are general information about pensions for people in the UK. They are written and checked by the Pensions Advice UK team, based on official sources such as GOV.UK, HMRC, MoneyHelper and the Financial Conduct Authority. Each guide shows the date it was last updated. They are not personal advice.
Who writes them
Our guides are written and checked by the Pensions Advice UK team. Pensions Advice UK is an introducer, not a financial adviser. So our guides explain how things work and what your options are in general. They don't tell you what to do with your own pension. If you want a recommendation for your situation, that has to come from an FCA-authorised adviser.
Where the facts come from
We check rules, allowances and figures against official and independent sources, including:
- GOV.UK and HMRC, for tax rules, allowances and the State Pension
- MoneyHelper and Pension Wise, the government's free guidance services
- The Financial Conduct Authority and the FCA Register
- The Pensions Regulator
- The Financial Ombudsman Service and the Financial Services Compensation Scheme
- The Pensions Dashboards Programme
Where a guide gives a figure, such as a tax allowance, it is the figure for the current tax year unless the guide says otherwise.
How we keep them up to date
- Every guide shows the date it was last updated.
- When pension or tax rules change, we update the guides that are affected.
- Our older articles show the date they were written. Where a rule they mention has changed since, we add a dated update note rather than quietly rewriting them.
What our guides will never do
- Tell you that you should transfer, combine or cash in a pension
- Promise returns, guaranteed outcomes or early access to your pension
- Show reviews or ratings we can't verify
- Rush you into a decision
Spotted a mistake?
If something in one of our guides looks wrong or out of date, please tell us at support@gapgnx.com or call 020 3778 0939. We will check it and correct it.