Do I need a financial adviser for my pension?

You don’t usually need a financial adviser by law, but making decisions about your pension can be complex, especially when it comes to planning for retirement or choosing when to start taking an income. Getting pension advice from a qualified professional can help you avoid costly mistakes, as some pension decisions can’t be reversed once made. A financial adviser can provide personalised pension financial advice, tailored to your goals, circumstances and long‑term plans, giving you confidence that your retirement savings are working in the right way for you.

Legally, you are required to take regulated advice on pensions if you want to transfer a defined benefit (DB) pension worth over £30,000. While services like MoneyHelper can offer free general guidance, only a qualified adviser can give personalised recommendations based on your situation.