Financial Advice
Our independent advisers can help you navigate financial planning with the knowledge and confidence to make the right decisions
What is financial advice?
Financial advice is where an expert regulated adviser gives you recommendations tailored to your individual circumstances, goals and financial situation.
You’ll stay in complete control. It’s up to you whether or not you take their advice. But they’ll make clear recommendations and help you understand why they think they’re the right thing to do.
Over 14,000 companies trust our independent advisers to provide financial advice to their employees. All our advisers are fully qualified and regulated, so you can be confident you’re always in safe hands.
Can our advisers help you?
Our advisers offer personalised financial advice as a paid-for service. That can be very helpful if you:
- want to fully understand your financial options, now or in the future
- have complicated questions or just want to understand the basics
- want to be sure that you’re making the most of what you have
Retirement might be round the corner, or decades away. Financial advice can keep your retirement goals on track, or help you start taking an income.
Book your free consultation
Get peace of mind for your future with a free telephone consultation to get to know you. It only takes about 15 minutes, and you'll need to have at least £50,000 in your pension pot.
Complete our call back form and one of our team will arrange a consultation at a time that suits you.
How do you get advice?
In just a few simple steps you can have a bespoke financial plan. It starts with a free chat to get to know you:
How do customers feel about our advice service?
“I wasn’t confident to take the plunge myself on sorting out my pension, but advice gave me that confidence”
“I already have a background in pensions but wanted someone to confirm what I wanted to do was fine”
"It feels good to have an expert to discuss my options with"
What do you get from advice?
If you take advice from us, you'll receive:
- A named, independent adviser - who will take the time to get to know you
- A whole of market review - they'll look at products from other providers as well as our own, and find the best solution for you
- Comprehensive cash flow modelling - your adviser will explore your current and future income needs. They'll match your expected outcomes with your goals, identify gaps and opportunities, and provide solutions
- Analysis of your attitude to risk - they'll dive into how you feel about risk, to ensure their recommendation is one you're comfortable with
How much does it cost?
If you decide to take our advice, the cost will be £1,495.
Your adviser will explain all costs and benefits before you pay anything. And our advisers aren't sales incentivised - so there's no hard sell or pressure to continue.
Frequently asked questions about advice
Are there different ways to take your pension?
Yes - products will vary in the features provided, key considerations when looking at options for accessing your pension include:
- Flexibility
- Period of payout
- Lump sum
- Market risk
- Guaranteed income
I don't have a big pension pot, could advice help me?
Advice can help everyone, no matter what their financial goals are. Our advice service is aimed at people with at least £50,000 in their pension pot. If you have less than that and are aged 50+, you can book an appointment with Pension Wise for free, impartial guidance.
What's the difference between advice and guidance?
At the most basic level:
- Guidance helps you understand your possible financial choices
- Advice tells you which financial choices are best for you
Other common questions
Retirement planning goes beyond just picking investments. Financial advice covers everything from managing taxes and benefits to helping you understand how different products can meet your needs at particular stages, and even how you can use them together to meet your financial goals. Taking advice can also give you the peace of mind that you’re making the right decisions for you and your family.
The State Pension could make a difference to your retirement - but will it cover your ideal later lifestyle?
For the 2025/26 tax year, the full State Pension is £230.25 a week, if you’ve paid National Insurance for the full 35 years. That adds up to £11,973 a year. Would that support your ideal retirement lifestyle? Of course, you might be part of a couple. The two of you will get £23,946 a year – but that’s much lower than the £43,900 yearly income Retirement Living Standards suggested would be needed for a couple to enjoy a moderate retirement.
Advice can help you identify other sources and solutions that could help plug any gap between the State Pension and the retirement you'd like.
No - different providers may have higher rates of payment, different options, features, qualifying criteria and charges. The options they offer could have different tax implications for you.
When you take advice, you’ll get access to years of training, expertise and insights, helping you navigate the complexities of financial planning. That includes understanding your savings choices, exploring your attitude to risk, seeing which products could be best suited to you, and making sure you’re on track to achieve your current (and future) goals.
Even if you're retiring right now, advice can still be useful. Taking advice from one of our expert advisers can show you how to get the most out of your existing assets, top up any gaps in your State Pension, turn your pension pot into the best possible retirement income, find any lost pensions or even put back your retirement if you want to keep saving for a little longer.
Even if you're retiring right now, advice can still be useful. Taking advice from one of our expert advisers can show you how to get the most out of your existing assets, top up any gaps in your State Pension, turn your pension pot into the best possible retirement income, find any lost pensions or even put back your retirement if you want to keep saving for a little longer.
It’s never too early to start saving into a pension – in fact, the earlier you start the better. Your money has more time to hopefully grow (though of course its value can also go down). That means you might not have to save as much later on to achieve your retirement dreams – or you could even retire early.
Need some help?
There are different retirement income products to choose from and the rates they offer can vary. Shop around to make sure you get the best deal for your situation and use available guidance and advice services before you apply. Other providers may have more appropriate products or be able to offer a higher level of retirement income.
Retirement guidance
Pension Wise from MoneyHelper
You can get guidance from the government's free and impartial service to help make your money and pension choices clearer.
The availability of appointments can vary between a few days and several weeks, so if you need guidance, it's a good idea to book an appointment slot now:
0800 138 3944
Monday to Friday 9am to 5pm.
Calls may be recorded and monitored.
Retirement advice
Retirement Advice Service from L&G
Our advisers are experts in retirement regulated by the Financial Conduct Authority, so you can trust them to provide impartial advice and a personal recommendation that’s right for you.
Complete our call back form and one of our team will arrange a consultation at a time that suits you.
Monday to Friday 9am and 5pm.
Calls may be monitored and recorded.
Get financial advice
Financial advisers can give you professional advice for pension planning.
You usually need to pay for their service and in return they recommend how to make the most of your pension given your circumstances.
To find and compare financial advisers please visit their website below.