Where to look for an adviser

Financial advisers can offer either ‘independent’ or ‘restricted’ advice.

Independent advisers (also known as independent financial advisers or IFAs) are able to consider all types of investment products from firms across the whole market when making their recommendations.

Restricted advisers are limited to certain types of products or the providers they can choose from.  For example, a restricted adviser may only recommend products from a limited number of providers. But a financial adviser who only offers advice about pensions would also be restricted, even though he or she can recommend products from across the market.

You can find more hints and tips on how to choose the right adviser.

There’s a number of directories that you can use to search for financial advisers in your area and according to what services they offer.

  • The money advice service retirement adviser directory provides details of financial advisers who are experts in:
    • pension and retirement planning
    • long term care planning
    • equity release
    • inheritance tax planning or wills and probate. 

  • The Personal Finance Society provides details of financial advisers who provide a wide range of services including pension and retirement planning. The full range of services are detailed on their website.

  • The Society for Later Life Advisers (SOLLA) provides details of financial advisers who are experienced in:
    • pension and retirement planning
    • long term care planning
    • equity release
    • inheritance tax planning or wills and probate.

  • vouchedfor provides details and customer reviews of:
    • financial advisers
    • mortgage advisers
    • solicitors
    • accountants.

  • Unbiased.co.uk provides details of:
    • financial advisers
    • mortgage advisers
    • accountants.

Not ready for advice?

If you feel you're not ready for financial advice, there's support available where you can get good-quality guidance. Whatever you decide, making time to plan for the future is time well spent.

Visit the following websites for free and impartial guidance and support. 

  • MoneyHelper: access guides, tools and information to help improve your finances as well as your life savings.
  • Citizens Advice: provides useful information to help you manage your finances.
  • Pension Wise: a free and impartial retirement planning service, introduced by the government to help you understand your options.

Our financial guidance service

Pension customers, who don’t have a financial adviser, have access to our guidance service at no extra cost. The guidance service provides information on a wide range of issues to help you make the most of your pension savings. We can’t give you financial advice or make recommendations about what you should do but we can offer guidance to help you make decisions yourself.

To speak to one of our guiders and set up an appointment, you can contact us by phone or by using our online form.

Please remember that none of these guidance services provide you with a personal recommendation, if you want that you will need to speak to a financial adviser.