Before you make any big decisions about your pension benefits, like deciding to transfer out or retire, you should speak with an independent financial adviser.

Finding a trusted adviser

An independent financial adviser can help answer any personal questions you may have about your pension. You’ll have to pay for their advice, but your pension is a valuable benefit, so you should find it’s money well spent.

What else you should know

If you are over age 50, the Trustee has arranged competitive charges with Liverpool Victoria Financial Advice Services Limited (LVFAS) for you. The Trustee chose to partner with LVFAS after reviewing the independent financial adviser market and researching a range of market-leading advisory businesses and their pension transfer advice process.

Look out for scams

Don’t accept offers of advice from people who contact you out of the blue – they could be a scammer. Advisers must be registered with the Financial Conduct Authority (FCA).