Retirement Guidance
We have partnered with HUB Financial Solutions, an impartial retirement specialist team, who will talk you through your choices and give you guidance on the different retirement options and next steps. It’s free to use and you can call them directly on 01737 827 978 (9am to 5pm, Monday to Friday). Calls may be monitored or recorded, and call charges may apply.
When you have decided how you want to take your retirement savings, you need tell us if you have taken guidance from Pension Wise or advice from a financial adviser (if you are over 50 and/or transferring to another provider).
This is to make sure that you’re comfortable with your options so that you can make a decision that suits you. You need to tell us if you have opted out of either or both of these. Without this confirmation, we cannot process your request. Neither XPS, nor the Trustee can give you any financial advice
Government Guidance
Pension Wise
Pension Wise is a free Government guidance service on MoneyHelper. You can use it to understand your options, the tax implications, and important tips on getting the most out of your retirement. When you are taking an income, you must receive guidance from Pension Wise, and advice from a Financial Adviser, or tell us if you have opted out of either or both of these. Your ‘Wake up pack’ will have more details.
Independent Advice
A financial adviser will give you advice, tailored to your personal circumstances, that could help you make difficult retirement decisions. You can find an adviser using MoneyHelper - make sure you chose one that specialises in retirement advice.