What Does A Pension Adviser Do?
A pension adviser looks at your retirement as a whole — not just one product. They'll review how much income your pensions can sustainably provide, how your money is invested, how to withdraw it tax-efficiently, and how upcoming inheritance tax changes could affect what you leave behind.
Whether you're weighing up drawdown against an annuity, consolidating old workplace pensions, or planning for the 2027 rules that bring pensions into inheritance tax, an FCA-regulated adviser will build a plan around your circumstances. Every adviser in our network holds the specialist qualifications required for pension advice.
How An Adviser Can Help
- ✓Sustainable Income — plan withdrawals so your money lasts throughout retirement
- ✓Inheritance Tax — prepare for the 2027 changes and pass on more of your pension
- ✓Investing — check your pension is invested to match your goals and risk level
- ✓Tax Efficiency — take up to 25% tax-free and avoid unnecessary tax on withdrawals
Our Expert Adviser Network
All of the advisers we work with are FCA-authorised and regulated.
How It Works
Getting pension advice takes just a few simple steps
Tell Us About You
Share your pension details and retirement goals so we can find the right adviser.
Review Your Options
Your adviser analyses your income needs, tax position, investments and estate plans.
Get Your Plan
Receive a personalised pension plan covering income, tax, IHT and investing.
Handled By Expert
Discuss your plan with your FCA-regulated adviser and put it into action.
Real Results From Real Clients
See what clients have achieved with professional pension advice from advisers they have been matched with.
"I thought I just needed drawdown advice, but my adviser looked at the whole picture — income, tax, even what happens to my pension when I'm gone. Came away with a proper plan for the lot."
Paul Jennings
Stamford· 5 days ago
"My biggest worry was running out of money. My adviser worked out exactly how much I can take each year sustainably, and rearranged my investments so they match how much risk I'm comfortable with."
Karen Lowe
Melton Mowbray· 1 week ago
"I'd read about pensions being dragged into inheritance tax from 2027 and didn't know what it meant for my family. The adviser explained my options clearly and we've restructured things so more goes to my kids."
Derek Saunders
Worksop· 2 weeks ago
"I'd been staring at my pension statements for months not knowing what to do. The adviser explained everything in plain English — drawdown, annuities, tax — and helped me pick what was right for me."
Susan Fletcher
Spalding· 3 weeks ago
"Turns out my pension had been sat in a default fund for years doing very little. My adviser reviewed where it was invested and moved it to something that actually fits my retirement plans."
Brian Holt
Nottingham· 1 month ago
"I had two old pensions doing nothing. The adviser consolidated them, sorted the investments and set up a monthly income. It's like getting a pay rise in retirement."
Linda Marsh
Sleaford· 2 months ago
"Going from a salary to living off my pension felt daunting but my adviser made the whole thing painless. I know how much I can take each month without worrying about tax surprises."
Tony Richardson
Hinckley· 3 months ago
4.83 Average Rating
Based on 217 client reviews