Retirement

The right adviser for the retirement you’ve worked for.

If you have £250,000 or more in pensions and savings, we’ll introduce you to one hand-picked, FCA-regulated independent adviser. A short conversation with our team, then one introduction. Free, and no obligation.

Find my retirement adviserHow it works
A retired couple walking their golden retriever along a coastal path

Retirement is a decision you only make once.

Get it wrong and either the money runs out too soon, or you spend thirty years being more careful than you ever needed to be. Pensions, tax, drawdown, the State Pension, how much is enough: a lot rests on getting it right first time. A good independent adviser turns that guesswork into a plan built around your numbers.

The worries a good adviser turns into a plan.

An independent adviser works through each of these with you. We make the introduction; the advice is theirs.

Will my money last?

A plan for turning pensions and savings into an income that doesn’t run out.

Am I paying too much tax?

Drawdown, tax-free cash and allowances used in the right order.

When can I afford to stop?

A clear picture of how much is enough for the life you actually want.

The 2027 pension IHT change

How the new inheritance tax rules on pensions might affect your plans.

Should I combine my pensions?

Whether consolidating your pots makes sense, or costs you a valuable benefit.

Read our pension guides

Sequencing and risk

Protecting the pot from a bad early run in the markets, right when you start drawing.

We only introduce you to genuinely independent advisers. A restricted adviser can only recommend certain firms’ products. An independent, whole-of-market adviser can search the whole market and is free to recommend any provider. Every adviser we match you with is independent and FCA regulated, never restricted.

Three steps, one introduction.

1

Tell us about your situation

A few questions, two minutes. Confidential and secure.

2

We call you back

Usually the same day, often within the hour, to understand what you need.

3

Meet your adviser

One introduction to a vetted independent adviser, for a free, no-obligation first conversation.

We only ever ask for a rough asset band, never account numbers, and your details are only shared with the one adviser we match you to.

★★★★★“Professional but informal: after a ten minute chat I was set up with a financial adviser. Really easy and friendly.” · Graham
★★★★★“They took time to assess my specific needs and match me up with a financial adviser with appropriate expertise.” · David
★★★★★“A personal, tailored service like this is invaluable and very reassuring.” · Louise
★★★★★“Asked the right questions, no pushing particular products, and put me in touch with an independent FCA adviser in my area.” · Lucie
★★★★★“I was quickly assigned to an IFA who helped me more with my pension than I’ve received elsewhere.” · Natalie
★★★★★“Kya took the worry out of finding the right company to work with, and it was all done within 24 hours.” · Ruth
★★★★★“Communication with IFA Connect was first class at all stages, and the local IFA is of high calibre.” · Firghil
★★★★★“Luke put me in touch with a financial adviser who met my needs. Excellent, quick and friendly service.” · Adrian
★★★★★“A great experience. I got connected with the adviser very quickly, thanks!” · Paulina
★★★★★“Luke responded within the day and proposed an IFA. The introductory call went well and we are exploring further.” · Mr Makin
★★★★★“I was put in touch with a local financial adviser and his help has been great thus far.” · Mrs Mclean
★★★★★“Luke was very understanding as I am hard of hearing, and I have a home visit arranged with a financial adviser.” · Arwyn
★★★★★“Great way to find an independent adviser. Highly recommended.” · Glenn
★★★★★“Early days but it seems you have matched me with a suitable IFA. Thanks.” · Margaret

Guides

Guides on retirement and pensions

Pensions and retirement

Pension consolidation: when combining your pensions works, and when it doesn't

The case for merging old pension pots, the situations where it backfires, the pensions you cannot move, and what it usually costs.

5 min readTax planning

The 60% tax trap: how the personal allowance taper works over £100k

The effective 60% band between £100k and £125,140, and the rules that affect it.

6 min readPensions and retirement

SIPP vs SSAS: how the two pension wrappers compare

Where each structure shines, and what the difference means for business owners.

6 min read

See all guides →

Common questions

What people ask before they enquire

Already have an adviser? A free second opinion costs nothing and commits you to nothing: see unhappy with your wealth manager. Looking at your pensions specifically? See pension review.

Is this free? What’s the catch?

Will my adviser be genuinely independent?

I already have an adviser. Is a second opinion worth it?

How much do I need to retire?

Will the adviser be local to me?

What happens after I enquire?

Talk to us about your retirement

One hand-picked independent adviser. Free, no obligation.

Find my retirement adviser