Pension Buddy

If you are aged 45 or over and starting to think about planning for your retirement, Pension Buddy can help cut through the clutter.

It’s a free-to-use online service that provides valuable information and guidance.

How does it work?

• By answering just a few easy questions about what you want to know, we’ll give you exactly the information you need. All packaged up as a free plan, served in bite-size chunks. So you can feel good about your financial future, and look forward to your life after work with confidence.
• It creates a personalised Pension Buddy Plan in less than 5 minutes, giving you information that’s tailored to your circumstances.
• And the Retirement Health Check helps you find out how financially fit you are for retirement. It shows what your pension savings may be worth in the future and compares this to the amount you might need to live comfortably during your retirement.

Destination Retirement

When you're ready to set things in motion, you can use our retirement planning and advice service - Destination Retirement.

So, if you're thinking of retiring in the next 12 months, and you have any pensions, savings or investments of at least £10,000 - then this is the service for you.

How does it work?

• You'll receive a free personal retirement plan, showing you what your life after work could look like and how far your money may go. Once you've got a plan you're happy with, we can provide expert financial advice on how to put it into action.
• If you're happy with your recommendation, we'll take care of all the hard work needed to set up your plan. At this stage there are ongoing fees which cover ongoing advice, reviews and managing your investments. If your plan includes an annuity, there will be an annuity arrangement fee to pay. There are no ongoing fees related to any annuity purchase.
• We'll monitor your plan, making sure it continues to meet your needs going forward.

Your capital is at risk and investments can go down as well as up.