Why do I need advice on my pension?

Pensions can be complex and without professional advice it can be difficult to fully understand the options available to you. An adviser who specialises in retirement planning will get to know your personal circumstances and make clear, easy to understand recommendations that will help you to plan for your future.

Is Pension Expert the right company to advise on my retirement?

We are a team of specialist pension advisors and client service administrators, so retirement planning is our sole focus. As a company we’ve been in business for over 30 years and our staff have experience from inside some of the UK’s largest pension and investment consultancies, wealth managers and pension providers. As a client, you will benefit from having a dedicated pension adviser who will get to know you, understand your goals, and create a smart strategy for your money.

How do I know that Pension Expert is a company that I can trust?

Pension Expert is a trading name of Meridan Pension Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). Details can be found on the FCA register under number 841099. All advisers hold the necessary qualifications and have years of experience in advising on retirements.

How much will the advice cost?

Our company ethos has always been to provide low cost, quality pension advice. Our fees are transparent and competitive. For example, advising upon a drawdown pension, we charge an initial 1% of your pension fund value, subject to a minimum fee of £750 and capped at £3000. In comparison to traditional Independent Financial Advisers (IFAs), our fees are considerably less than the usual 2% to 3% of the clients’ investable assets. Please see our Documents page for our Fee Agreement information.

Why are the fees for Pension Expert so low compared to other pension advisers?

Low cost has always been an important part of our ethos, enabling us to advise a broad range of clients. Providing an online service helps us to maintain our fees at an affordable rate.

How and when do I pay for your services?

There are two ways that our fees can be paid. You can pay us directly at the end of the process, or you can pay from your pension fund as an adviser charge. This adviser charge is not paid to us by the pension provider until the very end of the process, when you have agreed and signed all the appropriate documentation and your funds have been transferred over to the regulated retirement product.

What can I expect at my first online meeting with Pension Expert?

There is no cost for this initial discussion. You’ll have a conversation with one of our advisers who will introduce the pension planning process and how we work as a company. They’ll discuss your financial circumstances with you and your goals for the future, and start to think about possible strategies. After the meeting you can take your time to decide if you want to appoint Pension Expert to advise on your financial future.

Do I have to speak to an adviser via a video call?

The short answer is no. Some people find it easier to talk to us face-to-face on video call, while others will prefer to speak on the phone. Our priority is to get to know you and understand your personal circumstances, and we do that by asking the right questions and listening, whether that’s on the phone or by video meeting.

Are my personal details secure?

Yes, we take data protection very seriously and we meet all the requirements for a regulated company. All information is exchanged via secure portals and will be stored in a fully protected database. Please see our Customer Privacy Notice in the Documents section.

CONTACT

Get in touch with us.

If you would like to make an appointment for a free video consultation with us, please use the booking button to select a date and time. If you prefer a phone call, use our freephone number to give us a ring. A consultation is an opportunity for us to discuss your finances, your retirement goals, your attitude to risk and how we could help. If you have questions for us first, please do fill in the form and we’ll get back to you as soon as we can.