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Get expert retirement advice. At half the cost

£999 one-off fee, plus a 0.5% a year charge for ongoing advice.

We’re retirement specialists

Looking for advice on what to do with your pensions? Not sure how much you’ll have to live on or how to take your retirement income tax efficiently or when? We can help.

Join the thousands of people we’ve already helped to retire.

Dedicated adviser

You’ll get a personalised service from a skilled retirement specialist – to help you achieve your retirement goals.

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Low charges

You’ll get advice over the phone and online, so we can keep charges as low as possible.

Accessible advice

You only need £50,000+ in savings to use our service. Much less than many traditional advice services.



Financial Planning Consultant

Book a free 15-minute call with us today to start exploring your future.

What would you like to discuss?

Check availability

Our clients rate the call 4.5 stars out of 5

How our service works

1. Free call with a retirement specialist

Your opportunity to discuss your needs with one of our retirement specialists. Find out more, ask any questions and decide whether our financial advice services are right for you.

2. Understand your retirement options

If you decide to continue, we’ll arrange for a free consultation with one of our financial advisers. They’ll explore what you want from retirement and help you understand your options.

3. Get expert financial advice

Your dedicated financial adviser will recommend how to achieve your retirement goals - what you can afford, and what to do with your pension, and any other products and investments.

Personal financial advice at half the cost

And if you’re planning with a partner, we won’t charge you any extra.

We’re retirement specialists. And, on average over five years, we’re 50% cheaper than the market, with a £999 one-off fee, plus a 0.5% a year charge for ongoing advice.

What you pay is the same whatever type of retirement support you need, whether you’re:

  • Looking to consolidate multiple pensions
  • Need to know when you can afford to retire
  • Want to take income from your pension
  • Thinking about taking tax-free cash

Or all of these.

Plus, we’ll tell you if we don’t think you’ll get great value for money from our service.

Tim Pakenham

Tim Pakenham, Financial Planning Consultant

“We take time to answer any questions and help make sure your free consultation with a financial adviser is as valuable as possible.”

Vicki Mcgee

Vicki McGee, Financial Planner

“My job is about helping people live the best possible retirement for them and taking away their worries.”

Lysanne McBride

Lysanne McBride, Financial Planner

“A lot of people feel retirement is a minefield. I’m lucky enough to see the genuine difference that advice makes to them and the pressure I can take away.”

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Track record

We’ve helped thousands of people retire, previously as Standard Life and now abrdn.

Independently rated

We’re a rated digital advice provider by Boring Money and have a 5 Star Rating from independent ratings agency Defaqto.*

Regulated and protected

We’re regulated by the Financial Conduct Authority (FCA) and your money is protected by the Financial Services Compensation Scheme.


Gerard wanted to join his wife in retirement

“We really valued having that extra bit of support from an adviser when thinking about our future.”

Gerard’s wife Jacqueline had retired the year before. We worked with them to understand if their spending patterns would still be achievable in retirement, and how they could take their income in the most tax-efficient way.


Redundancy gave Deborah the chance to retire her way

“Taking financial advice was very important to me being able to retire when I could.”

Deborah saw redundancy as a chance to retire. She also knew that she wanted retirement to include some sort of work. We helped Deborah set up a flexible income plan that allows her to choose what type of work she does and how much.

It's easy to get started

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Download your free retirement planning guide

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Find out your retirement income in 5 minutes

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Get help from a retirement specialist

*For the service, digital content and support we offer our clients. Rated in 2022.