Your number depends on what your retirement will cost.
Read the answer →Transferring means giving up valuable guaranteed benefits, and a transfer is appropriate only in some circumstances.
Read the answer →You can trace a lost pension through the Pension Tracing Service, your old paperwork or your former employer.
Read the answer →Old schemes can carry guarantees that you give up if you move the money.
Read the answer →Enough to clear what you owe and replace your income for the years your dependants need it, less what is already in place.
Read the answer →Critical illness cover pays a lump sum on diagnosis. Income protection replaces part of your earnings while you cannot work.
Read the answer →Pensions give tax relief going in, and ISAs can be reached at any time.
Read the answer →Advice is paid for by an agreed fee, by commission, or as a percentage of the amount invested.
Read the answer →The first conversation is about you, and no advice is given on that call.
Read the answer →Interest rolls up on the loan and reduces what you leave behind. Check the alternatives first.
Read the answer →The rules of intestacy decide who inherits, and an unmarried partner receives nothing.
Read the answer →Each pension and investment passes under its own rules, with deadlines that matter.
Read the answer →Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.