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Expert Pension Advice. Make the Most of Your Retirement.

Whether you need help with pension transfers, drawdown, consolidation or retirement planning, we'll connect you with an FCA-regulated adviser who can help.

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📋 Get matched with an adviser

Find your perfect match in 60 seconds

Answer a few simple questions and we'll match you with an FCA-regulated pension adviser who can help with your specific situation. No pressure, no obligation.

🛡️ How we help

Three ways we can help with your pension.

Not sure where to start? That's completely normal. Here's a quick overview of how we help people just like you.

💼

Pension Advice

Got pension questions? Whether you're approaching retirement or just want to understand your options, we'll connect you with a qualified adviser who can help.

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🔄

Pension Transfer

Lost track of old pensions? Want to consolidate them into one place? A pension transfer specialist can review your options and make the process simple.

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📈

Retirement Planning

Drawdown, annuities, tax relief, lump sums — retirement is full of big decisions. Get clear, impartial advice so you can retire with confidence.

Plan your retirement →
✅ How it works

One quick form. Matched with an adviser. No pressure.

Simple, free, and takes less than a minute.

1

Tell us about your pension

Quick questions about your situation and what help you need. Done in 60 seconds.

2

Get matched with an adviser

We connect you with an FCA-regulated pension specialist suited to your needs.

3

Get clear pension advice

Your adviser explains your options in plain English. You decide what's right for you.

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⚠️ The reality

Most people don't think about their pension until it's too late

These aren't scare tactics, they're facts. And they're exactly why getting pension advice matters.

39%

Of UK adults don't know how much is in their pension

Nearly 4 in 10 people have no idea what their pension is worth. Without knowing where you stand, it's impossible to plan for the retirement you want.

£37,781

Average pension pot for 55–64 year olds

That could provide just £1,500 a year in retirement income. For most people, that's nowhere near enough to live comfortably alongside the State Pension.

1.6 million

Lost pension pots in the UK

The average person changes jobs 11 times during their career. Each time, they may leave a pension behind. That's billions of pounds sitting unclaimed.

Only 12%

Of people have taken professional pension advice

The vast majority of people are making one of the biggest financial decisions of their life without any expert guidance. A qualified adviser can make all the difference.

You're already thinking about it. That's the hardest part.

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⭐ Real reviews

Don't just take our word for it

Margaret
Margaret
Harrogate
★★★★★
“Finally understand my pension”

“I'd been avoiding thinking about my pension for years. The adviser explained everything in plain English and now I actually have a plan for retirement. Wish I'd done it sooner.”

David
David
Bristol
★★★★★
“Consolidated 4 old pensions”

“Had pensions scattered across four different providers from old jobs. The adviser brought them all together and I can actually see what I've got now. Brilliant service.”

Susan
Susan
Edinburgh
★★★★★
“Helped me choose drawdown”

“I had no idea whether to go for drawdown or an annuity. The adviser ran through all the numbers and helped me pick the right option. Genuinely grateful for the help.”

James
James
Manchester
★★★★★
“Saved me thousands in tax”

“Didn't realise I was about to make a massive tax mistake with my pension withdrawal. The adviser sorted it out and saved me a fortune. Worth every penny.”

Linda
Linda
Cardiff
★★★★★
“Genuinely no pressure”

“Was worried about being sold something I didn't need. But the adviser just laid out my options and let me decide. Felt properly looked after.”

Robert
Robert
Leeds
★★★★★
“Sorted my defined benefit transfer”

“Had a final salary pension from an old employer and wasn't sure what to do with it. The adviser gave me clear advice and I feel much more in control now.”

Helen
Helen
Birmingham
★★★★★
“Quick and painless”

“Filled in the form on a Monday morning and had a call from an adviser by lunchtime. Everything was explained clearly and I felt confident in my choices.”

Peter
Peter
Glasgow
★★★★★
“Best decision I've made”

“Was about to cash in my pension at 55 without thinking it through. The adviser showed me how much more I could get by waiting and using drawdown properly.”

Karen
Karen
Nottingham
★★★★★
“Highly recommend”

“After my divorce I needed to sort out my pension sharing order. The adviser handled everything and made a stressful process much easier.”

❓ Common questions

Frequently asked questions

💼 Pension Advice

Take our free 60-second assessment. We match you with a qualified, FCA-regulated pension adviser who specialises in your specific situation — whether that's pension transfers, drawdown, retirement planning, or anything else. It's completely free and there's no obligation to proceed.
Our matching service is completely free. The adviser we connect you with will explain their fees upfront before you commit to anything. Many offer a free initial consultation so you can understand your options before deciding whether to proceed with paid advice.
If you're approaching retirement, thinking about accessing your pension, have multiple pensions, or are going through a major life change like divorce, professional advice can be invaluable. A qualified adviser can help you avoid costly mistakes and make the most of what you've saved.
Guidance (like Pension Wise) explains your general options but can't tell you what to do. Regulated financial advice is personalised to your situation and the adviser takes responsibility for their recommendation. For big pension decisions, personalised advice is usually worth it.
Yes. Every adviser we work with is independently authorised and regulated by the Financial Conduct Authority (FCA). You can verify any adviser's credentials at register.fca.org.uk before proceeding.

🔄 Pension Transfers

In most cases, yes. You can transfer defined contribution pensions relatively straightforwardly. Defined benefit (final salary) pension transfers are more complex and you're legally required to get regulated financial advice if the transfer value is over £30,000.
It depends on your circumstances. Consolidating can make your pensions easier to manage and potentially reduce fees, but some older pensions have valuable guaranteed benefits you wouldn't want to lose. An adviser can review each pension and tell you which ones to keep and which to move.
Your pension stays with the provider from your old employer. You can leave it there, transfer it to your new employer's scheme, or move it to a personal pension or SIPP. The average person changes jobs 11 times, so it's common to have multiple pensions scattered around.
A straightforward defined contribution transfer typically takes 4–8 weeks. Defined benefit transfers can take longer, often 3–6 months, as they require more detailed analysis and regulatory checks. Your adviser will guide you through the timeline.
Yes. A pension adviser can help trace lost pensions using the government's Pension Tracing Service and other tools. With 1.6 million lost pension pots in the UK worth billions, there's a good chance you have money waiting to be found.

📈 Retirement Planning

You can currently access your defined contribution pension from age 55 (rising to 57 in 2028). You can take up to 25% as a tax-free lump sum. The rest can be taken as income through drawdown, used to buy an annuity, or a combination of both.
Drawdown keeps your pension invested and lets you take income flexibly, but your pot can go up or down. An annuity converts your pot into a guaranteed income for life, but you lose access to the capital. Many people use a combination of both for security and flexibility.
The Pensions and Lifetime Savings Association suggests you need around £31,300 a year for a moderate retirement lifestyle, or £43,100 for a comfortable one (for a single person). A pension adviser can help you work out whether you're on track and what steps to take if you're not.
You can take 25% of your pension tax-free. The remaining 75% is taxed as income at your marginal rate. How and when you take your pension can significantly affect how much tax you pay, which is why getting advice on the timing and structure of withdrawals is so important.
The full new State Pension is currently £221.20 per week (£11,502 per year). You need 35 qualifying years of National Insurance contributions to get the full amount. The State Pension age is currently 66, rising to 67 between 2026 and 2028. For most people, the State Pension alone won't be enough to live comfortably.

Ready to take control of your pension?

It takes 60 seconds. It costs nothing. And it could change your retirement.

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