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, 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

Step 1 of 3

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.

Step 2 of 3

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 of 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.

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:

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

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:

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.

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.

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:

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 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.

Financial advice and 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.