Five to ten years from retirement
Bringing pensions, investments and retirement targets into one clearer plan before the transition begins.
Retirement · Specialist advisers
Find an adviser experienced in turning savings into a retirement plan.
Retirement advice is not just about having a pension. It can involve income, investments, tax wrappers, cash reserves, timing and how much flexibility you want over the years ahead.
Common retirement situations
The right adviser depends on the decision in front of you.
Someone five years from retirement may need a different service from someone already drawing income or consolidating several pensions.
About to retire
Understanding how different assets might support income and how much flexibility you want.
Already retired
Reviewing withdrawals, investment risk, cash reserves and whether the ongoing service remains useful.
Multiple pensions or providers
Finding an adviser comfortable assessing a more fragmented retirement position without assuming consolidation is automatically right.
Questions to ask
Make the first meeting useful.
Good questions can tell you more about fit than a glossy brochure.
How much of your work is retirement planning?
Regular retirement work may matter more than a generic pension label.
What level of assets is your service designed for?
Check minimums before investing time in a first meeting.
How do you charge for initial and ongoing advice?
Ask for actual pounds and what ongoing work is included.
How do you review retirement income over time?
The ongoing process can be as important as the initial plan.
Fees
Retirement advice should be easier to price-check.
Advisedly separates adviser-verified pricing, publicly published pricing and cases where the information is not available. We do not attach an industry average to a named adviser and call it their likely fee.
Simple illustration0.5% on £500,000 = £2,500 a year
That only explains the maths. It does not tell you what a specific adviser charges or whether the service is good value for your circumstances.
Use the fee calculatorLocal + specialist
Start nearby, widen the search when fit matters.
A local adviser may be ideal if you value face-to-face meetings. A specialist slightly further away may be a better fit if your retirement situation is more complex.
Common questions
Choosing a retirement adviser
What type of adviser should I look for when approaching retirement?
Look for someone who regularly works with people moving from accumulation into retirement income, understands pensions and other assets, and offers a service appropriate to the complexity of your situation.
Should I choose a local retirement adviser?
Local face-to-face access may matter to you, but specialist experience, minimum asset levels, service style and fees can matter just as much. Advisedly is designed to balance those factors.
How do I compare retirement adviser fees?
Ask for the initial and ongoing cost in pounds, understand whether charges are fixed, percentage-based, tiered or capped, and check what ongoing service you receive for the fee.