Your retirement – we’re here to help
Confused about how to plan for your retirement? You’re not alone – everyone approaching retirement has more pension options to choose from than ever before. That’s why thousands of people come to Aviva Financial Advice for help.
To keep things simple, our financial advisers can build a personalised retirement plan for you, including advice on Aviva pensions, annuities, income drawdown and more. You don’t need to be one of our customers to call for advice – we’re here to help everyone.
We also offer advice on defined benefit pensions, sometimes called Final Salary pensions. See our defined benefit page for more information.
Get a personalised plan
Your very own retirement plan to get the income you need for when you want to retire
Make an informed decision
Review your pensions to see if you should combine them
Your own retirement strategy
A personalised investment plan that suits your attitude to risk
Just so you know, our financial advisers can only recommend Aviva products and services.
How our advice works
You can call us to find out if financial advice could help you. We’ll either set up a meeting or refer you to a trusted partner instead.
Talk to us
An adviser meets you at no cost and no obligation to chat about your financial situation and goals. If they think our advice could help you, they’ll go over the charges before you choose to proceed or not.
Get your plan
Your adviser gives you a recommendation which lays out your best retirement options, based on your needs. You can also choose our annual review service to stay on top of your plans.
What makes our advice different
- Clear and transparent costs with no surprise charges
- Our advisers are based up and down the country, so they’re never far if you want to meet them in person
- Online, over the phone or in person – meet your adviser however you want
- You can ask to meet a man or woman where possible, so you feel comfortable with who you’re talking to
- Your plan takes into account how much you’re willing to risk your money on investments
- Save time calculating how you’ll afford the retirement you want – get us to do the hard work instead
How much does our financial advice cost?
You won’t pay a penny until you ask your adviser to go ahead and build your personalised retirement plan. And you don’t need a minimum amount in your pension before you can call us for help.
Your first charge for a plan will be 2.5% of your pension pot, capped at a maximum of £7,500.
Here’s how much you’d pay on a £100,000 pension:
You can also choose our annual review service to stay on track of your retirement plans and make changes where necessary. A yearly review costs 0.45% of your pension pot, capped at £2,200.
Here’s how much you’d pay on a pension pot worth £100,000 for the year:
To keep things simple, we’ll take the advice charge from your existing pension rather than your bank account where possible.
Our advisers aren’t incentivised on how many customers they sign up to our service. Their only goal is to make sure you take the best retirement product and services to suit your future goals. If your adviser doesn’t think our advice will be of any value to you, they’ll let you know – you’ll be under no obligation to take things any further.
What our customers say
Customers rated Aviva Financial Advice 4.6 out of 5 in our 2019 customer survey. And 92% of customers said they would recommend the advice service to their friends and family. Here’s what some of them have to say about our advice:
It was reassuring to talk with someone who you felt had your best interest at heart
The advice I got allowed me to make better, more informed decisions
Aviva took away a lot of the misunderstanding we had with our policies and explained exactly what could be done with each one and the options…Our financial adviser was very helpful and patient. He explained everything clearly and took away the worry and concerns we had. We would definitely recommend Aviva as they have helped us so much and we can now look forward to our retirement.
My Aviva Financial Advice Adviser was very good and informative…he explained everything clearly, he asked the right questions and was very good without being patronising if I didn’t understand anything. He didn’t use jargon, and it was easy to understand and came across really well.
“The service I’ve received is 100%”
Find out how we helped Romano transition from running his business full-time to a comfortable semi-retirement.
Learn more about financial advice
Want to learn more about financial advice and how it works?
Speak to us for free
Call us now. We’ll take a look at your situation and let you know if our financial advice could help you.
Call us on:
*Monday to Friday 9am - 5pm
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.
Want free help instead?
If you’re not ready to pay for a personalised retirement plan, we can offer you free pension guidance instead. Our experts will take you through your full range of options, for free.
Take a look at some other sources of help and guidance.
If you’re aged 50 or over, Pension Wise offers free and impartial government advice about your defined contribution pension options. You can get help on the Pension Wise website, over the phone or face to face.
Read up on our impartial help articles.
An introduction to Abridged advice
An introduction to abridged advice, for defined benefit pension transfers
What you need to know about defined benefit transfers
If you have a defined benefit pension, you may be able to transfer it into a more common type of pension.
How defined benefit transfers work
If you're considering a defined benefit transfer - we've put together a timeline showing how long it typically takes to complete.
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When do annuities make sense?
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