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Retirement Advice

Pension planning advice from our team of expert financial advisers.

Helping you achieve your ideal retirement

Our retirement advice team will give you tailored financial advice, so you can make the best choices for you and your family. And because they’re independent advisers, they don’t just look at our products. If another provider offers a better option, they’ll recommend them instead. 

Retirement advice is fully regulated by the FCA and provided by Legal & General Financial Advice, as part of the Legal & General Group. 

Our advisers turn your goal into a practical plan

Our advisers will help you:

  • Look at your finances and goals, and estimate how much you’ll need when you retire.
  • Make sure you’re on track to save enough – and if not, suggest ways of saving more.
  • Wrap it all up in a tailored plan that includes clear, practical next steps.

Speak with our advice team

Your first, no-obligation, call is free. You just need to have more than £20,000 saved up in one or more pension pots.

Find out how we can help you achieve your ideal retirement

0800 072 0016

Our team is available between 9am and 5pm, Monday to Friday. Calls may be monitored and recorded.

Arrange a call back

Simple steps to better choices

Find out how financial advice could help you improve your retirement options.

Book your free consultation

Speak with our team to discuss your retirement goals and find out how we can help. We’ll answer your questions, explain our fees and help you decide if advice is right for you.

Meet your expert adviser

Your adviser will take the time to get to know you, your current financial situation and future goals in detail. That will give them all they need to create personalised recommendations tailored to you.

Get your free retirement plan

Your adviser will share your plan and talk you through their recommendations. They’re independent, so if your best option is a product or service with another provider, they'll let you know. Fees will only apply if you choose to proceed.

What will my adviser do?

Depending on your needs and circumstances, your adviser can:

  • Fully review your current financial arrangements
  • Look at ways you could grow your retirement income
  • Help you understand the different ways of accessing your pension savings
  • Explain how to draw on your savings and investments in a tax-efficient way
  • Give you access to ongoing support to keep your plans on track

Start planning your ideal retirement:

0800 072 0016

Our team is available between 9am and 5pm, Monday to Friday. 
Calls may be monitored and recorded.

Arrange a call back
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So what do other customers say?

Mr Davenport
The adviser absolutely took on board my desires, my wishes, my expectations, my risk profile, what I didn’t want and what I did want and he approached his review based on all of that.

How much will it cost?

  • Prices are easy to calculate depending on the advice we give. For example, a pension review to make sure you’re investing in the best funds and switching them over, is a flat fee of £500.
  • Before you agree to advice, our adviser will explain fully the costs and what you’ll receive in return.
  • Depending on the pension(s) you have, you may even be able to pay directly from your pension pot, rather than up front. 
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FAQs

An organisation providing guidance won’t make a personal recommendation. They’ll give you the facts you need and explain the choices open to you. But they’ll leave you to choose what you want to do.  When seeking financial ‘advice’ you’ll be asked specific questions about your finances. And after a review of your situation, the adviser will recommend what action you should take.

Learn more about the two by downloading our free guide to understanding guidance and advice. 

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

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.

Retirement planning goes beyond just picking investments. Financial advice covers everything from managing taxes and benefits to complex financial products like annuities, helping your retirement income last as long as you need it to.

Financial advice can help everyone, regardless of how much you earn or have saved. Our independent service is aimed at people with at least £50,000 in their pension pot, savings or investments. If you have less than that, you can find an independent adviser through unbiased.co.uk.

You’ll get access to years of expertise and insights, helping you navigate the complexities of retirement planning. That includes understanding your savings choices, seeing which retirement income products could be best suited to you, and making sure you’re on track to achieve your retirement goals.

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 – and if you make the right long-term investment decisions you might even be able to retire early.

Even if you're retiring right now, advice can still be useful. Advisers can help you in many different ways. They 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.

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 £43,100 yearly income Retirement Living Standards suggested would be needed for a couple to enjoy a comfortable 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.

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.

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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.

Book an appointment
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Have a question?

If you have any questions, you can send a message through your account. Use the link below to log in.

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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.

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