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Speak to an adviser
When you want a personal recommendation, that's what advisers are for.
The website tools are illustrative. A licensed PensionX adviser can run a full advice process based on your own circumstances, including your income needs, tax position, spouse pension choices, fees, insurer quotes, health factors where relevant, and long-term risks.
When advice helps
- You have multiple funds or potsConsolidation, timing and tax can change your outcome.
- You're within five years of retirementDecisions made close to retirement are hard to undo. The stakes are high.
- You have a spouse or dependantsSpouse pension elections, beneficiary nominations and survivor income need careful thought.
- You're unsure which route to chooseLiving annuity, guaranteed annuity, or a combination. Each has different risks and benefits.
- Your tax situation is complexBusiness income, rental income, or a lump sum can affect what you owe and when.
- You want a written planA full advice process results in a written recommendation you keep, with reasons.
What happens after you submit
- 01Discovery callNo fees, no obligation. Just a thoughtful conversation about your situation.
- 02Full advice processIf you want to proceed, we run a regulated advice process covering your tax position, fees, real guaranteed quotes, the lot.
- 03Recommendations in writingYou receive a written recommendation you can keep. You decide if you want to act.
Important. The information on this website, and the tools, are illustrative guidance only. Personal financial advice is provided through a full advice process, with a licensed adviser, after a needs analysis. We do not provide personal advice anonymously through the website.