Looking for a pension adviser?
Pensions can involve important long-term decisions. Understand what a regulated pension adviser may help with and what to check before choosing who to speak with.
Start with the type of help you need.
Financial advice should be personal to your circumstances. These are common areas to think about before choosing who to speak with.
Reviewing existing pensions
An adviser can assess pensions in the context of your wider circumstances, objectives and retirement plans.
Pension consolidation
If you have several pensions, advice can help you understand potential benefits, costs, features and protections before deciding whether to move anything.
Retirement options
Advice may cover the options available when accessing pension benefits and how those choices interact with your wider finances.
Contributions and planning
For people still building retirement savings, an adviser can consider pension contributions as part of a broader financial plan.
What should you consider before proceeding?
Regulation, relevant experience, clear charges and a service that fits your needs all matter.
Identify the pension issue
Know whether you need a general review, retirement planning, consolidation, contribution planning or help understanding access options.
Check permissions
Use the FCA Financial Services Register to confirm the firm is authorised for the regulated activities relevant to the advice you need.
Ask about specialist experience
Some pension matters are more complex than others. Ask whether the adviser regularly handles circumstances similar to yours.
Compare costs
Understand the initial fee, any product or implementation costs and whether an ongoing advice charge would apply.
Useful next steps.
Explore related Adviser Finder resources or tell us what you need when you are ready to look for professional advice.
Learn before you decide.
Use Adviser Finder's educational guides and tools to understand the questions worth asking next.
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