Speak to an FCA-Authorised Pension Adviser

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, 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.

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, 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.

Frequently asked questions

What would you like advice on?

Pension consolidationWhether combining pots suits youPension review and health checkIs your pension on track?Final salary and defined benefit adviceSchemes, guarantees and transfersWealth and inheritance tax planningHow to reduce your IHT billPension inheritance tax: the 2027 changesWhat changes from April 2027Advice chargesWhat you should pay in 2026