Financial Advice

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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. If you're looking for advice on your investments see our investment advice page.

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

Call us and we can look at all your pensions but can only recommend Aviva products and services.

How our advice works

Step 1

Contact us

You can call us or book a call back to find out if financial advice could help you. We’ll either set up a meeting or refer you to a trusted partner instead.

Step 2

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 whether to proceed or not.

Step 3

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.

Why Aviva Financial Advice?

  • Clear and transparent costs with no surprise charges
  • Our advisers are local, 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
  • 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.

Our total advice charge is made up of two elements.

There’s our report fee, and in addition to this, our advice fee. The advice fee is calculated against the full investment value of any savings and investments we provide advice to you on.

Here's our charging structure:

Asset value advised on Report fee
Any £625
Asset value advised on Advice fee
First £100,000 2.00%
Next £200,000 1.75%
Next £200,000 1.25%
Next £500,000 0.25%
Amount above £1,000,000 0.00%

Here’s how much you’d pay on a £150,000 pension:

Advice fee (£2,000) Report fee (£625) You pay (£2,625)

You can also choose to join our annual review service to stay on track of your retirement plans and make changes where necessary. The annual charge is 0.45% of your assets advised on, with a minimum of £650 and a cap of £2,200.

Here’s how much you’d pay on a pension pot worth £150,000 for the year:

Based on an pension pot of £100,000 for the year, multiply by yearly charge of 0.45% equals what you pay monthly: £37.50, which is a yearly charge of £450, capped at a maximum of £2,200.

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 2020 customer survey. And 96% 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:

Mr P

Excellent service - Aviva Financial Advice helped me navigate the complex but vital process in getting my financial affairs in order well before I reach retirement

Mr S

Simply brilliant throughout the whole process - professional, efficient, friendly and I felt that my financial adviser always had my best interests top of mind all the way through the process of sorting out my pensions. In a word - trust - I trusted my adviser implicitly, after getting the feeling that my existing provider was simply trying to make a sale

Mr H

My adviser impressed me with his professional and approachable manner. He has welcomed being challenged whilst striving to provide balanced advice in keeping with a customers present and future goals. I consider my adviser to have been an excellent ambassador for Aviva and their services.

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:

0800 092 3107

Monday to Friday: 9:00am - 5:00pm

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.

Or, just looking for Guidance?

Looking for support with your pension or retirement plans, but not sure where to begin? One call with our pension experts can put you on the right track, taking you through your options and giving you the confidence to get started.

Retirement articles

Read up on our impartial help articles.

Aviva Administration Limited. Registered in England No. 03424940. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 185746.