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This website provides links to free legal help professionals. The information on this site is to be used as a guide.
Knowing where to turn to when your having difficulty is usually a hard decision, many companies operate on a no win no fee basis and it can be difficult to determine who to trust. This website will help you to know who to contact for the right type of assistance.
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Where to get the Best Pension Advice
It’s likely that getting independent pension advice is more important than you think. 50% of people have no pension at all. Even those that have planned for retirement might be in for a shock. A pension pot that seems like a large lump sum may not generate the level of income you think.
Even if you’ve had the benefit of pension advice in the past, the post credit crunch pension landscape looks very different. Now could the right time to look for expert advice regardless of whether you have a private, company or frozen pension.
The internet has made it easier to find advisors, you can even get a free pension review. But before taking the plunge it’s worth thinking about where you’re likely to get the best quality of advice.
First of all don’t make the mistake of thinking all advisors are independent. They’re not. You’ll find tied advisors, multi-tied advisors as well as Independent Financial Advisors (IFAs). You’re more likely to get pension advice that’s truly tailored to your circumstances if you pick an IFA to help you. However you may feel that you’re more likely to trust an advisor from your bank. Just remember they’ll be tied in some shape or form to a limited number of providers.
But just asking any IFA isn’t enough. You’ll find generalist IFAs as well as advisors who specialise in pensions. Logically a specialist is more likely to be up to date with current developments in pensions.
However it’s probably even more important you pick an advisor you like who’ll discuss pensions with you in terms you understand. After all, pensions terminology can be complex.
Many good pensions’ advisors get their clients from word of mouth recommendations. It’s worth asking colleagues, friends and family whether they know a pension’s advisor they’d recommend.
The route you take may depend on the complexity of your situation. But always remember you don’t have to meet with just one firm.