Financial advice, guidance and support around retirement

Regulated advisers

If you choose a firm offering ‘advice’ you’ll be asked questions about your finances.

• After a review of your situation, the adviser will recommend what action you should take. It’s a personal service based on a thorough analysis of your finances.
  
  Someone offering advice: 
• must hold professional financial qualifications in the areas of advice they provide.
• is liable for the advice they give, so if it’s wrong you could seek compensation.
• can receive a commission and may charge you a fee for their service.

Finding an adviser

There are many online sites that can help you find an adviser:

• Unbiased
  More than 27,000 advisers makes it the largest directory of advisers in the UK. Like all the directories listed here, it’s free to use.
• MoneyHelper
  The MoneyHelper offers a retirement adviser directory. This will help you find someone who specialises in retirement planning.
  
• VouchedFor
  VouchedFor includes reviews and ratings by clients of financial advisers. The site contains over 310,000 reviews and VouchedFor claim that it never edits reviews.

Legal & General Retirement Advice Service

Our advisers are regulated by the Financial Conduct Authority (FCA) to give advice on an independent basis.

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.

Someone offering guidance:

• may take a commission from any product you buy from them.
• isn’t providing advice, so it's difficult to hold them to account if you get the wrong product.
• doesn’t have to hold professional qualifications, though many will have.

Organisations offering free guidance

These organisations all provide free, independent guidance:

• Pension Wise a service provided by MoneyHelper
  Offers a guidance session if you’re over 50 and in a workplace or personal pension.
  
  
• MoneyHelper
  Provides online advice and guides plus tools, support over the phone and calculators on a wide range of subjects. They also provides information on workplace and personal pensions for everyone.