Financial Advice
We can't plan your world trip but we can help you get there
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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, if you have total pension savings of £75,000 or more, our financial advisers can build a personalised retirement plan for you, including advice on Aviva products, such as 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 benefits pensions, sometimes called final salary pensions. Different fees and charges apply for this service; see our defined benefit page for more information. If you're looking for advice on your investments see our investment advice page.
If your pension savings are less than £75,000, we're still here to help. Check out our online resources to discover how you can squeeze the most out of your pension.
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
How our advice works
Contact us
If you have £75,000 or more in pension savings, 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.
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.
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.
Our full 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 amount above £75,000 | £625 |
| Asset value advised on | Advice fee |
|---|---|
| First £75,000 to £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:
Annual review service
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:
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.
You asked the questions, our financial advisers answered
See what our advisers have to say about some of the most commonly asked questions and topics.
- Should you delay your retirement as long as possible
With market fluctuations affecting pensions, we weigh up the pros and cons of delaying retirement. - How to make the most of your pension without paying in more
A few changes may go a long way in helping to grow your pension, even without investing more. - Why you should never opt out of a workplace pension
Here’s why it’s way better to have a workplace pension than to opt out and take the cash instead.
“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.
We've made a huge difference to Jennifer
Jennifer wasn't keen on taking financial advice at first. Find out how we changed her mind and soon put her in a much better financial position.
Speak to us for free
We can chat through your situation and let you know if our financial advice could help you. You can get in touch in two ways.
Call us on:
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 or 0808 numbers from UK landlines and mobiles are free.
Ask us to call you
Useful information
Take a look at some other sources of help and guidance.
Pension Wise from MoneyHelper
Pension Wise from MoneyHelper is a free, government-backed service, offering clear, impartial and specialist guidance on your retirement options. If you're aged 50 or over, this service is available to you. You can call them on 0800 138 3944 or visit Pension Wise for full details of the service.
Tax Help
Tax help can provide you with free independent and expert help and advice on any personal tax problems you may have. You can call them on 033 3207 9921 or visit Tax Help for more information.
Financial advice and retirement articles
Read up on our impartial help articles.
What is investing and how can a financial adviser help?
See what it means to invest your money and find out how working with a financial adviser can help you reach your goals.
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.
What’s the difference between financial guidance and advice?
Financial guidance or advice can be a huge help when it comes to money matters. See how our experts can help you plan your retirement.
Can't afford to retire
If your pension pot is falling short of your ideal number, there are some things you can do to help.
What is a pension?
Understanding how different types of pensions work may help you decide which one (or ones) might suit you.
How long will retirement be?
It's difficult to know for definite. But there are things you can think about to help you plan more effectively.
ISAs vs pensions
Explore the features and benefits of ISAs and pensions to help you work out what’s going to work hardest for your retirement savings.
What happens to your pension when you die?
If you’re thinking about how you can provide for your loved ones, find out if and how your pension can be passed on.
When do annuities make sense?
Annuities can provide a stable income for your retirement, but they aren’t the only option. Find out if they’re the right choice for you.
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