When you need to make a decision about your financial future, it’s important to know what your options are.

Thankfully, you have access to a great range of services and support to help you make the choices that are best for you.

Types of support available

There are a couple of different options when you are seeking additional advice or support with your pension savings. You can use:

  • Professional financial advice – This comes in the form of seeking help from a qualified financial adviser who can tailor advice to your needs and goals.
  • Guidance services – These are services that can help answer your questions, navigate and understand your options when it comes to various choices you have with your pension.
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Professional financial advice

Finding a financial adviser that you can trust is important, but it can be difficult to know which advisers are well-recommended or trustworthy. You can use these two sites to find a financial adviser who is suited to you and dependable:

Unbiased – This site is dedicated to helping people like you find financial advisers who will work best with you and your situation. Unbiased has an adviser matching service as well as a directory that you can browse independently.

Best for: Finding a qualified, professional financial adviser. A trusted online directory showing advisers in your area, their qualifications and areas of expertise.

Financial Conduct Authority – The Financial Conduct Authority (FCA) is the financial conduct regulator in the UK and they are committed to ensuring fair, honest and effective markets for consumers.

Best for: Background-checking your financial adviser. A Financial Services Register allows you to check an organisation and any regulated financial adviser for your security and peace of mind.

Guidance services

In addition to speaking with a qualified professional, you can look for help from pension guidance services that can answer your questions about pensions and help you understand your options. They cannot, however, create a plan for you or provide you with full, regulated financial advice.

MoneyHelper, which launched in 2021, joins together three government-backed services into one simpler, easy to access guidance service.

You can now access support previously available from the Money Advice Service, The Pensions Advice Service, and Pension Wise through Money Helper.

You can use the above service to gain good, reliable advice and guidance about your pension. When looking for advice, be sure to do your research to avoid pension scams.

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