Pension guidance and retirement articles
Read up on our impartial help articles.
Why get pension and retirement advice?
There are so many pension options available that choosing the right path can seem like walking through an overgrown garden maze. At night.
That’s why people come to Aviva Financial Advice for help – we’re here to snip away the branches and hand you a torch, so you can choose your path with confidence.
If you’ve got pension savings of £75,000 or more, a financial adviser can walk you through your options – things like pensions, annuities, and income drawdown – and build a personalised retirement plan just for you.
It doesn't matter who your pensions are with, Aviva Financial Advice is here for everyone.
Investing today could benefit you in the long term. But, as with all investments, there's a risk that the value may fall as well as rise, so you could get back less than you put in.
The benefits of investment and retirement advice
More from Aviva Financial Advice
Defined benefit pensions
You can also get advice on defined benefit pensions, sometimes called final salary pensions. Different fees and charges apply for this service.
Untangle all your investment knots and make sure your money works as hard as you do.
Squeeze the most out of your pension
If your pension savings are less than £75,000, we're still here to help. Check out our library of guidance, tips, and resources to discover how you can make sure your retirement planning is heading in the right direction.
Why Aviva Financial Advice?
- The fees are simple and clear. You’ll know exactly how much you’ll pay with no shocks and surprises along the way.
- You can chat with an adviser online, over the phone, or in person – whichever way works best for you.
- Your adviser will tailor your investment needs – They will understand your attitude to investment risk and the goals and dreams you have for your retirement before they put your plan together.
- The advisers are salaried, not paid on commission – the only thing they care about is delivering the best quality advice.
- With the ongoing advice service, you can keep on top of things by opting into monthly update packs.
How to get started
How much does pension and retirement advice cost?
There’s no charge for your first meeting with your adviser – it’s completely free. Once you’ve discussed your financial goals, you can decide together whether advice would help you achieve them.
Your adviser will also be upfront and clear about fees from the start, so you can make an informed decision about whether you’d like to move forward. If you do decide that you'd like a personalised plan, you'll be be asked to sign a Letter of Engagement.
The Aviva Financial Advice approach, and fees, are tailored to your specific circumstances and goals – and they’ll always be explained in detail before any work begins.
Pension advice FAQs
Can I afford to retire?
What’s the difference between a defined benefit (DB) pension and a defined contribution (DC) pension?
Do I need a financial adviser for my pension?
Am I paying enough into my pension?
Should I consolidate my pensions?
What happens to my pension when I die?
Do I need financial advice to transfer a pension?
When do I get the state pension?
How much tax-free cash can I take from my pension and when?
What is the pension annual allowance?
Can I start a pension for my child or grandchild?
Take a look at some other sources of help and guidance.
Aviva Financial Advice is a trading style of Succession Financial Management Limited, which is part of the Aviva group of companies and is authorised and regulated by the Financial Conduct Authority. Aviva Administration Limited acts as an introducer to Succession Financial Management Limited for financial advice. The financial advice services are provided by Succession Financial Management Limited, not Aviva Administration Limited.
Aviva Administration Limited is registered in England No. 03424940. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 185746. Aviva Administration Limited and Succession Financial Management Limited are subsidiaries of Aviva Life Holdings UK Limited.