Why get pension and retirement advice
A tailored plan, just for you 
Your financial adviser will create a personalised plan, designed with your current situation and retirement plans in mind.
Choose your risk level 
Everyone looks at risk differently. We’ll work with you to figure out the level of risk you’re comfortable with for your pension investments.
Get a holistic view 
Understanding your current situation means you can feel confident in any decisions you make about your future plans.
Why choose an Aviva financial adviser?
Our expert team of advisers can give you the pension help you need to get the most out of your retirement income.
There's no cost for your first call with us, or for your first meeting with an adviser. We'll always be up-front with you about our fees, and there's no obligation to go ahead. So you can explore your options pressure-free.
Aviva Financial Advice has advisers based all over the UK, so you can meet them in person, over the phone or online. We’ll do whatever works best for you.
As part of the Aviva group, you're backed by a trusted name. We've got deep roots in financial services and a long-standing commitment to customer wellbeing.
None of our advisers work on commission for pension advice – their focus is on giving best advice rather than selling products.
Work out which direction to take
Find a path to financial confidence
Find a path to financial confidence Stuck on where to go next for help with your finances? Use the Aviva Wealth Compass to help you figure out your next steps.
Get our guide to financial advice
Get our guide to financial advice See how our financial advisers can help you in more detail, from planning your future to when you're nearing retirement.
Learn about pension and retirement planning
We’ve got lots of helpful guides to get you ready for pension advice.
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Defined benefit (DB) pensions versus defined contribution (DC) pensions
Find out what sets defined benefit pensions and defined contribution pensions apart.
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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 defined contribution pension.
Pension calculator
See what your pension could be worth in retirement.
Annuity calculator
Work out the annual pension income you could receive.
Inheritance Tax calculator
Plan ahead and work out how much you might have to pay.
Frequently asked questions
Do I need a financial adviser for my pension? Show more Show less
Most of the time, there’s no need for a financial adviser by law. Some people decide to get financial advice to help them with the complex process of retirement planning. That’s why personalised pension advice from a qualified financial or pension adviser can bring real relief.
However, there are some decisions that need financial advice. For example, you’ll need to take financial advice before transferring if the cash equivalent transfer value of your pension with safeguarded benefits is over £30,000. This includes pensions from a defined benefit scheme, and others which have a guaranteed income or guaranteed rate at which you can turn your pension fund into an income. This is in line with pensions legislation.
You can find retirement planning and pension advice through MoneyHelper, a free financial guidance service backed by the government. But though it can help you understand your pension and other finances, you’ll need a qualified adviser for personalised advice on your situation.
Can I afford to retire? Show more Show less
Whether you can afford to retire depends on factors like how much you’ve saved, when you hope to retire, and the lifestyle you’re expecting in retirement. You can get a sense of how much you might need by checking the Retirement Living Standards (RLS), published by the Pensions and Lifetime Savings Association. The RLS gives estimates of what retirement might look like at three different levels of income.
Your adviser will use the Retirement Living Standards in conversations with you. They’ll also use a type of forecasting called cashflow modelling to help you see the best ways of using your pension and investments to support your retirement.
How much tax-free cash can I withdraw from my pension and when? Show more Show less
Right now, you can normally take 25% of your pension in tax free cash when you’re 55. But unless you have a protected pension age, you’ll have to be 57 to do this from 6 April 2028.
When you can make a pension withdrawal, you might be tempted to take the full amount as soon as you can. A financial adviser can explain the potential drawbacks of this and suggest some more tax-efficient ways of managing your wealth, as well as share pension advice and information about tax on pension withdrawals.
Find out more about your options for taking income from your pension here.
Tax benefits are dependent on individual circumstances and are subject to change.
Do I need financial advice to transfer my pension Show more Show less
If you have a defined contribution pension, you don’t need a financial adviser to legally transfer it. However, an adviser can talk you through all the implications of a pension transfer. For example, some defined contribution pensions come with benefits that you’ll lose with a transfer, like promised minimum rates and additional death benefits.
So, though you don’t always need financial advice to transfer a pension, a financial adviser can help you understand whether it’s the right choice for you. They can also help you with retirement planning and pension advice.
What is tax relief? Show more Show less
It's money you get to reduce the overall cost to you when you make regular contributions into your pension. It comes from the government, to get more people paying into a pension. The effective rate of tax relief you get depends on your income. Your adviser will take you through all the ins and outs, so you don’t miss out on anything you’re owed.
Tax benefits are dependent on individual circumstances and are subject to change.
What are my options?
How can I get financial advice?
If you already have a financial adviser, you may wish to consult them. Or if you're looking for a financial adviser, you can find a list of regulated financial advisers at MoneyHelper. If you have £300,000 or more in total across all your pensions and investment savings, then get in touch with us.
Arrange a call back
Arrange a call back Request a call with one of the team at a time that works for you.
Give us a call
Give us a call Get in touch with us on 0800 092 3107.
We're available Monday to Friday, 9:00am to 5:00pm.
What if I'm not ready to get advice?
If you don't have £300,000 or more in total across your pension and investment savings, or you're not sure financial advice is for you, don’t worry. We’ve got lots of helpful guides, tools and other information to help you manage your money.
Help planning your retirement
Explore our pension products to see how we can help you on your journey towards retirement.
Pensions for beginners
Our useful tools and guides can help you save for the retirement you want.
Get free pension guidance
Pension Wise provides free, impartial help on your retirement options if you're aged 50 or over.
Discover MoneyHelper
MoneyHelper is a government-founded service that provides guidance on managing your money.