Get help

When planning your pension and retirement income you might need help with:

  • choosing a personal or stakeholder pension
  • planning your savings
  • choosing how you want to get your retirement income
  • delaying your State Pension payments (deferring)

Where to get help

You can get free guidance on your retirement savings options from:

Pension Wise has information to help you decide what to do with your money if it’s in a ‘defined contribution’ pension. If you’re over 50, you can book an appointment to speak to someone.

Paying for financial advice

You can find an independent financial adviser:

If you’re paying into a pension scheme, you can ask your pension provider about taking out up to £500 to pay for financial advice on retirement. You can do this once a year up to 3 times without a tax charge. Not all pension schemes provide this.

  1. Step 1 Check when you can retire

  2. and Check how much pension you could get

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased
  4. Step 3 Check what other financial support you could get

  5. Step 4 Decide when to retire