--- title: "Pension Advice UK: Speak to an FCA-Authorised Adviser" url: https://pensionsadviceuk.com/pension-advice/ description: "Regulated pension advice from an FCA-authorised adviser. We are an introducer: tell us what you need and we’ll put you in touch. Free to enquire." last_updated: 2026-10-08 publisher: "Pensions Advice UK (a trading name of GAP-GNX Ltd)" language: en-GB --- Advice # Speak to an FCA-Authorised Pension Adviser We connect you with FCA-authorised financial advisers who can assess your circumstances and provide regulated pension advice. [Request advice](https://pensionsadviceuk.com/qualified-advice-request/) Free to enquire. We are an introducer, not an adviser. Important information - Introductions to FCA-authorised advisers - Free to enquire - We call back within the hour, 9am to 5pm weekdays - Details passed on only with your consent Last updated 8 October 2026 [How we write our guides](https://pensionsadviceuk.com/how-we-write-our-guides/) **We do not provide financial advice. We act solely as an introducer.** Tell us what you need help with and, with your consent, we’ll put you in touch with an FCA-authorised financial adviser who can look at your circumstances and give you a personal recommendation. ## What can a pension adviser help with? - **Combining pensions** and whether moving one would cost you valuable benefits - **Taking your pension**: drawdown, an annuity, lump sums and the tax on each - **Retirement planning**: when you can afford to stop work and what income you could have - **Final salary pensions**, including whether a transfer could ever be right for you - **Inheritance tax**, including the changes to pensions from April 2027 - **Reviewing charges and investments** on pensions you already have ## Advice or guidance? **Guidance** explains your options in general. [Pension Wise](https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise), from the government’s MoneyHelper service, offers free, impartial guidance on your pension options if you are 50 or over. It won’t tell you what to do. **Advice** is a personal recommendation from an FCA-authorised adviser, based on your circumstances. The adviser is responsible for that recommendation, and you have more protection if it turns out to be unsuitable. Advice is usually charged for. ## What does pension advice cost? Enquiring with us is free, and so is your first conversation with the adviser. If you then want advice, the adviser firm will tell you in writing what it charges before you agree to anything. It is your choice whether to go ahead. See [what pension advice typically costs](https://pensionsadviceuk.com/pension-advice-charges/). ## How to check an adviser Every firm we introduce you to is authorised by the Financial Conduct Authority. You can check any firm or adviser yourself on the [FCA register](https://register.fca.org.uk), which also shows what they are allowed to do. ## What happens after you enquire 1. We call you back, usually within the hour between 9am and 5pm on weekdays, or the next working day. 2. We ask a few questions about your pensions and what you want help with. 3. With your consent, we introduce you to an FCA-authorised adviser suited to your enquiry. 4. The adviser explains how they work and what they charge. You decide whether to go ahead. [Request advice](https://pensionsadviceuk.com/qualified-advice-request/) [Book a call](https://pensionsadviceuk.com/book-a-call-with-an-adviser/) ## Frequently asked questions ### Do you give pension advice? No. Pensions Advice UK is an introducer. We put you in touch with FCA-authorised advisers, and any advice comes from them. ### Is pension advice free? Enquiring with us and your first conversation with the adviser are free. Regulated advice is usually charged for, and the adviser firm will tell you its fees in writing before you agree to anything. ### What is the difference between Pension Wise and a pension adviser? Pension Wise, from MoneyHelper, gives free, impartial guidance on your options if you are 50 or over. A pension adviser gives you a personal recommendation based on your circumstances, and is responsible for it. ### How do I know an adviser is FCA authorised? Search for the firm or the adviser on the FCA register at register.fca.org.uk. It shows whether they are authorised and what they are allowed to do. ### Do I need advice to transfer a final salary pension? If your final salary or other safeguarded pension is worth more than £30,000, the law requires you to take advice from an FCA-authorised adviser before it can be transferred. ## What would you like advice on? [**Pension consolidation**Whether combining pots suits you](https://pensionsadviceuk.com/pension-consolidation/) [**Pension review and health check**Is your pension on track?](https://pensionsadviceuk.com/pension-review/) [**Final salary and defined benefit advice**Schemes, guarantees and transfers](https://pensionsadviceuk.com/defined-benefit-and-final-salary-pension-advice/) [**Wealth and inheritance tax planning**How to reduce your IHT bill](https://pensionsadviceuk.com/inheritance-tax-planning/) [**Pension inheritance tax: the 2027 changes**What changes from April 2027](https://pensionsadviceuk.com/pension-inheritance-tax-the-2027-changes/) [**Advice charges**What you should pay in 2026](https://pensionsadviceuk.com/pension-advice-charges/) ### Important information Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not authorised by the Financial Conduct Authority and we do not provide financial, investment, pension or tax advice. We act solely as an introducer. The information on this page is general information only. It is not a personal recommendation and should not be relied upon when making decisions about your pension. Whether any course of action is right for you depends on your individual circumstances. When you make an enquiry, we may introduce you to an FCA-authorised financial adviser. Any advice, recommendation or regulated service will be provided by that authorised firm, not by Pensions Advice UK. The authorised firm will explain its services and any fees to you directly before you decide to proceed. FCA-authorised firms may have their own criteria for accepting clients, over which we have no control. The value of pensions and investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future returns. Transferring or combining pensions is not right for everyone and may mean giving up valuable benefits or guarantees. Free and impartial guidance about your pension options is available from the government’s MoneyHelper service, and if you are aged 50 or over from Pension Wise, at moneyhelper.org.uk. ## Speak to an FCA-authorised adviser Tell us what you need help with and we’ll introduce you to a qualified specialist. Start your enquiry 020 3778 0939 We’re an introducer, not an adviser. ## Want to talk it through? Start online, or call us. We call back within the hour between 9am and 5pm on weekdays, or the next working day. [Start your enquiry](https://pensionsadviceuk.com/qualified-advice-request/) [020 3778 0939](tel:+442037780939) [Call us](tel:+442037780939) [Enquire](https://pensionsadviceuk.com/qualified-advice-request/) --- Pensions Advice UK (a trading name of GAP-GNX Ltd) connects UK residents with FCA-authorised pension advisers and pension tracing services. It is not FCA-authorised and does not give financial or tax advice. It acts solely as an introducer to FCA-authorised firms, who provide any advice and explain any fees before you proceed. This is the text version of https://pensionsadviceuk.com/pension-advice/. More pages: https://pensionsadviceuk.com/llms.txt