Understand your options
Consider existing pension benefits, other retirement income and the relevant alternatives before choosing an arrangement.
Pension drawdown advice · UK telephone service
Before you take an income,
make a retirement plan.
A personal recommendation on your pension options, income needs and the risks to consider. Professional advice, with the work and fee agreed before we begin.
Discuss my drawdown advice Or call 01332 418005An initial consultation, with no charge and no obligation to proceed. Personal advice follows an agreed scope and fee.
What you are paying for
A clear recommendation.
And the work behind it.
Get a personal recommendation
Understand the proposed approach to income, tax and investment risk, including the possibility that markets fall or retirement lasts longer than expected.
Put the agreed plan in place
Receive the explanation and implementation included in your quote. A switch needed for the same drawdown recommendation is covered by one combined fee.
The scope matters
Is this the work you are looking for?
This service is for people who want a personal recommendation and agreed help with a new drawdown arrangement. It can cover existing uncrystallised pension money and an incoming defined contribution pension together. We do not advise on transferring or converting defined benefit pensions or other safeguarded benefits.
Already receiving ongoing advice? We check your existing agreement first. Work already paid for or promised, included phases and routine withdrawals do not attract another initial fee.
Guidance or advice?
Pension Wise explains the options.
We tell you which one, and why.
Pension Wise, from MoneyHelper, is free and impartial. If you only want the basics, it is a fair place to start. Here are the facts, side by side.
Pension Wise · free guidance
General options
- An appointment usually lasts up to 60 minutes and ends with a list of next steps.
- It explains your options in general terms.
- It cannot recommend specific products or advise on what is best for you to do.
- You make the decision yourself. If it later turns out to be unsuitable, you cannot complain to the guidance provider.
The Review Business · paid advice
A recommendation for you
- We look at your pensions, income, tax and plans together.
- You receive a personal recommendation in writing, with the reasons.
- We help you put it in place, and can review it over time if you choose.
- We are regulated by the FCA. If something goes wrong, you can complain to us and then to the Financial Ombudsman Service.
Pension Wise facts from MoneyHelper, checked 3 November 2026: about Pension Wise appointments and guidance and advice explained.
Ongoing advice is
a separate choice.
We explain whether it is suitable and what it covers. Standard annual rates are 0.6% while building investments and 0.75% for drawdown, on the agreed assets. You can ask for one-off advice.
Understand the ongoing service ↗︎Drawdown keeps your pension invested. Investment values and income can fall, and your pension may not last as long as you need. The appropriate choice depends on your circumstances.
Your next step
Let’s talk about your plans.
A conversation about what matters to you, and how we can help.
First consultation: no charge, no obligation.