We’re here to help you take the first step

Retirement planning can seem overwhelming - even if you’re normally confident with managing everyday money matters and finances. Getting expert, personalised retirement advice could point you in the right direction.

We’re here to help. Our free service can match you with one of our Financial Conduct Authority (FCA)-regulated financial advisor partners across the UK, helping you quickly connect to a pension advice specialist who can support you to achieve your goals. Learn more about our advisor matching service and why retirement advice could work for you.

How we can help you connect to a retirement and pension expert

We know you’d rather spend your free time with family and friends rather than searching for local retirement and pension specialists. Our service helps you save time by matching you to a trusted, FCA-regulated advisor.

We’ve helped hundreds of satisfied customers connect to local pension advice experts. Our mission is to connect people that need pension advice with the right experts for their needs. So much so, that if you’re not happy with your advisor, we’ll match you with another one to suit your needs - no questions asked!

Have a question before you speak to an expert? Our friendly Yorkshire-based customer experience team is also available rain or shine to help you over the phone.

Why is it important to review your pensions and understand your retirement goals?

2015’s pension freedoms means you have even more control and options when it comes to your private pension. When you turn 55, you’ll be able to take up to 25% of your private pension pot, tax-free. If this is something you’re interested in, there are many popular options to consider such as:

  • Leaving your money invested for retirement: leaving your pension fund untouched could give it a chance to grow further.
  • Take a 25% lump sum and buy an annuity: An annuity is a retirement product that guarantees a set retirement income for life
  • Take a 25% lump sum and buy a drawdown product: Drawdown helps you keep your defined contribution (DC) pension savings invested, and take money as you need it.

It may be tempting to take more than the 25% as soon as you can, but it’s not always a good idea. Your pension pot is an investment. And, you might miss out on the potential for that investment to grow into a bigger pension pot.

An advisor can give you personalised retirement planning advice on all your options. Like a fitness coach, they’ll help you stay on track to help you meet your goals.

How a financial advisor can help you with your pensions and retirement

Everyone has a different idea of what makes a good retirement. That’s why retirement advice is so important. A financial advisor’s goal is to help you get the most of your money, by helping you achieve many things such as:

  • Building a financial plan that’s suited to your goals
  • Making a decision on how to take your pension income
  • Exploring investment options, protection and retirement products
  • Taking advantage of tax relief and other cost-effective ways to save
  • Reviewing your progress and helping you stay on track

Building the retirement you deserve

It’s never too early to start thinking ahead to retirement. Knowing what kind of lifestyle you’d like is a good first step. This will help you understand how much you’ll need to save, how early you can retire and how to budget.

Your pension pot needs to last for your lifetime. No matter what your ideal retirement looks like, you’ll need to plan accordingly. This means factoring in everything from leisure and holidays to home improvements and potential medical costs.

Get support from a pension advisor

When you choose our free advisor matching service, we'll introduce you to a pension advice specialist with the most suitable experience for your needs. They’ll invite you to join them for a free no-obligation consultation, where you’ll learn about:

  1. Your advisor’s fees: These vary from advisor to advisor and will always be discussed upfront.
  2. Whether advice could work for you: Your advisor will tell you if they think advice or their services won’t benefit you.
  3. Helpful suggestions on your options: Your advisor will point you in the right direction if they think advice isn’t right for you.

Ready to start exploring your retirement options? Click the button below to get started!
Find a local advisor today!

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