Comparing

+ more

🔥 Join the 15,000+ people who have taken control of their pension Get started →

💼 Pension Advice

Get Expert Pension Advice Tailored to Your Situation

Q: When should I get pension advice?

Key times to seek pension advice include: approaching retirement (ideally 5-10 years before), considering accessing your pension, thinking about transferring a defined benefit pension, going through a divorce, receiving a large pension pot, or wanting to consolidate multiple pensions. The earlier you plan, the more options you have.

Over 12 million UK adults have no private pension savings. Whether you are just starting out, approaching retirement, or looking to make the most of what you have, get matched with an FCA-regulated adviser today.

FCA-regulated advisersFCA Advisers
Get Matched For FreeFree Matching
Takes 60 seconds to start60 Second Process
Rated 4.9★ online reviewsRated 4.9★ Online

Get Pension Advice →

15,000+

People Helped

FCA

Regulated Advisers

60s

To Get Started

4.9★

Online Rating

📋 Get matched

Find your perfect match in 60 seconds

Answer a few simple questions and get matched with an FCA-regulated pension adviser. Free, no obligation, no pressure.

Why Get Pension Advice with PensionHelper?

Your pension is likely your largest financial asset after your home. Making the right decisions now can mean tens of thousands of pounds more in retirement. We connect you with qualified, FCA-regulated advisers who work in your best interest.

Whether you need help with workplace pensions, private pensions, drawdown, transfers, or retirement planning, our advisers cover the full spectrum of pension advice.

FCA-Regulated

Every adviser is independently authorised and regulated by the Financial Conduct Authority.

Free Matching

We match you with an adviser for free, with no obligation to proceed.

Whole-of-Market

Advisers compare products from across the entire market to find the best option for you.

15,000+ Helped

Trusted by thousands of people across the UK to help them plan for retirement.

Types of Advice

Types of Pension Advice

Everyone's pension situation is different. Our advisers can help with every type of pension planning, from workplace schemes to complex transfers.

Workplace Pension Advice

Maximise your employer contributions and understand your auto-enrolment options.

Private Pension Advice

SIPPs, personal pensions, and stakeholder pensions explained and compared.

Defined Benefit Advice

Expert guidance on final salary pensions, transfers, and scheme benefits.

Pension Drawdown Advice

Flexible income in retirement. Understand your drawdown options and risks.

Pension Consolidation

Combine multiple pension pots into one for simpler management and potentially lower fees.

Retirement Income Planning

Annuities, drawdown, lump sums, or a combination. Plan the income that suits you.

Expert Guides

Pension Advice Guides

Everything you need to know about pensions and retirement planning, explained in plain English.

What Is Pension Advice?

A complete beginner's guide

How Much Pension Do I Need?

Calculate your retirement income

How Much Does Pension Advice Cost?

UK pricing breakdown

Pension Drawdown Explained

Flexible income in retirement

Defined Benefit Transfers

Should you transfer your final salary pension?

State Pension Explained

Your entitlement and how to top up

Pension Tax Relief

How the government boosts your savings

Annuities vs Drawdown

Which retirement income option is right?

Real Reviews

What Our Customers Say

James W.

Manchester • Pension Advice

★★★★★

“Finally understand my pension”

Had three old workplace pensions I had lost track of. The adviser consolidated them, saving me over £400 a year in fees and giving me a clear retirement plan for the first time.

Sarah P.

Bristol • Pension Advice

★★★★★

“Wish I had done this years ago”

At 52, I had no idea if I was on track for retirement. The adviser ran the numbers and showed me that by increasing contributions by just £150 a month, I could retire two years earlier. Incredible service.

David M.

Leeds • Pension Advice

★★★★★

“Saved my defined benefit pension”

Was about to transfer my final salary pension based on a friend's advice. The adviser explained why keeping it was worth thousands more. Really glad I got proper professional guidance.

Rachel D.

Edinburgh • Pension Advice

★★★★★

“Made retirement feel achievable”

As a self-employed woman, I felt behind everyone else. The adviser set up a SIPP with tax-efficient contributions and showed me a realistic path to a comfortable retirement by 63.

Michael T.

Norwich • Pension Advice

★★★★★

“Drawdown set up perfectly”

Needed help setting up pension drawdown at 60. The adviser explained all my options clearly, set up a sustainable withdrawal strategy, and I now receive a regular monthly income from my pension.

Laura H.

Cardiff • Pension Advice

★★★★★

“Sorted our pensions after divorce”

Going through a divorce and needed expert help splitting our pensions fairly. The adviser handled everything professionally and made a stressful situation much easier to navigate.

Simple Process

How It Works

Tell us about yourself

Quick questions about your pension situation. Done in 60 seconds.

Get matched with an adviser

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

Receive your advice

Your adviser reviews your situation and recommends the best course of action.

Find Pension Advice for Your Situation

Everyone's circumstances are different. Find advice tailored to your specific needs.

Got Questions?

Frequently Asked Questions

Pension advice is personalised guidance from an FCA-regulated financial adviser about your pension options. Unlike generic information, regulated advice considers your specific circumstances, goals and risk tolerance. You may benefit from advice if you are approaching retirement, considering a pension transfer, have multiple pension pots, or want to maximise your retirement income.

Pension advice typically costs between 1% and 3% of the pension value for initial advice, with ongoing fees of around 0.5% to 1% per year. For a pension worth £100,000, initial advice might cost £1,000 to £3,000. Some advisers charge fixed fees starting from around £500. Through PensionHelper, our matching service is free.

Pension guidance gives you general information about your options but does not tell you what to do. It is available free from services like Pension Wise for those over 50. Pension advice is a personalised recommendation from an FCA-regulated adviser based on your specific circumstances. Only regulated advice can tell you what specific action to take with your pension.

Yes. Anyone providing personal pension advice in the UK must be authorised and regulated by the Financial Conduct Authority (FCA). This means they must hold appropriate qualifications, follow strict rules about suitability, and carry professional indemnity insurance. You can verify any adviser on the FCA register at register.fca.org.uk.

Key times to seek pension advice include approaching retirement (ideally 5 to 10 years before), considering accessing your pension, thinking about transferring a defined benefit pension, going through a divorce, receiving a large pension pot, changing jobs frequently, or wanting to consolidate multiple pensions. The earlier you plan, the more options you have.

In most cases, you cannot access your private pension until age 55 (rising to 57 from 2028). Early access is only possible in very limited circumstances, such as serious ill health. Be extremely cautious of companies offering early pension access, as these are often scams that could result in tax charges of up to 55% on your pension.

Pension drawdown (also called flexi-access drawdown) lets you take an income from your pension pot while the rest stays invested. You can usually take 25% tax-free as a lump sum, then draw an income from the remainder. It offers flexibility but carries investment risk, as your pot can go down as well as up. Professional advice is strongly recommended.

Consolidating multiple pension pots into one can simplify management, reduce fees, and give you a clearer picture of your retirement savings. However, it is not always the right move. Some older pensions have valuable guaranteed benefits, penalty-free retirement ages, or protected tax-free cash. An adviser can review each pension individually before recommending consolidation.

The full new State Pension is currently £221.20 per week (2024/25 tax year). You need at least 35 qualifying years of National Insurance contributions to receive the full amount, and at least 10 years to receive anything. You can check your State Pension forecast on the GOV.UK website to see how much you are on track to receive.

A good pension adviser should be FCA-regulated, qualified to at least diploma level, transparent about their fees, and willing to explain their recommendations clearly. Check their FCA registration, read reviews, and ensure they offer whole-of-market advice rather than being tied to specific providers. PensionHelper only works with advisers who meet these standards.

Ready to Get Expert Pension Advice?

It takes 60 seconds. It costs nothing to get started.

Get Pension Advice →

15,000+ people helped • Rated 4.9★ online • FCA-regulated advisers