Pension Advisory Service has financial advisers across the UK, with dedicated support in London. Our Pension Advice London advisers are regulated to provide financial planning services, including pensions, investments, bonds, ISAs, IHT planning, advice on capital gains tax and much more.

Advice is provided face to face, over the telephone and/or with virtual meetings (Teams/ Zoom etc).

We prefer to meet people face to face as it helps to build trust and you can ask more questions. At every stage of the journey we’re focussing on how we can help you achieve your financial goals.

It’s important that you feel comfortable with your pension adviser and you shouldn’t have to pay out money for meetings or pension reviews! It’s important you can trust your adviser and feel confident in sharing information, so we never charge for initial advice.

We start by gathering information, understanding your needs then present our findings and recommendations. This is all achieved free of charge. You are under no obligation to proceed with our recommendations.

If you choose to proceed then fees will be explained. We strive to keep our costs affordable and follow Consumer Duty regulations to ensure we’re treating every customer fairly.

Definitely! You should ask to learn more about any advisers qualifications when you speak to them about financial planning. It’s your money, so it’s essential you know you’re dealing with a regulated adviser.

We would be happy to evidence our advisers qualifications and authorisation reference.

Pension Advice London operates as an enquiry and information based website, so you should not take any financial advice directly from the website. Every adviser that’s part of our Pension Advice Service has studied and passed their financial planning exams, practised for many years and is authorised and regulated by the Financial Conduct Authority.

Of course, we love to meet with clients, so we often insist on meeting in person. This is particularly true at the beginning so we can build a relationship, you can trust our advice and we can get to know what matters to you.

For our longer term clients who don’t necessarily want to meet regularly, we conduct telephone and virtual meetings.

We have administrators, paraplanners and customer service advisers but you will speak directly to a qualified and regulated financial adviser. The adviser will start by understanding your needs and then talk you through the initial process. If you have questions, please don’t hesitate to ask as we’re all very friendly and supportive of your needs.

Transferring a defined benefit or final salary pension is something we can assist you with, however it’s not always the best option and will depend on your personal and financial circumstances. Defined benefit schemes are pensions that comes with certain benefits that private / defined contribution pensions often can’t match. Consequently, we would review your options, present our findings and then advise you on whether on not you could proceed with ourselves.

We will always give you our honest advice and if we can’t assist you with a defined benefit pension transfer we will explain why. If you simply want to know more about your final salary pension we’ll happily answer your questions, free of charge.

You’re not alone in forgetting about pensions or being unable to access your statements. We help lots of people to trace their pension and update their details so they receive annual statements.

From the 6th April 2015, you can access 25% of your pension fund tax-free if you were 55 years of age or older. This meant you could take your tax free money straight away or access it over a number of years. You do not need to take your tax free money – you can leave your pension to grow – but if you do want to access the money and your fund you may need to seek financial advice from a qualified adviser.

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