FCA-regulated advisers only
Every adviser on our panel is authorised and regulated by the Financial Conduct Authority, so your money is handled under the same rules that protect all UK consumers.
Free Review Service
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Your pension deserves a second opinion.
My Pension Advisor is the free service that connects you with an FCA-regulated pension adviser for a no-obligation consultation — so you know exactly where you stand before you retire.
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- FCA-regulated advisers
- No fees to use our service
- Trusted since 2015
- Helped 1,000+ savers
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Tell us a little about your pension and we’ll match you with the right adviser.
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Why choose us
A stress-free route to regulated pension advice
Since 2015 we’ve been the bridge between UK savers and a hand-picked panel of independent financial advisers. No jargon, no pressure, no cost to you.
Genuinely free to use
Our matching service and your first consultation cost you nothing. There are no hidden fees, and any adviser charges are explained in writing before you commit.
Matched to your situation
A final salary transfer needs a different specialist to a SIPP consolidation. We match you with an adviser whose permissions and experience fit your circumstances.
Independent, whole-of-market
Our advisers aren’t tied to a single provider. Recommendations are based on what suits you — not on which product pays the most commission.
One dedicated adviser
You won’t be passed around a call centre. You get one regulated adviser who takes the time to understand your goals and stays with you.
Your data stays private
We’re registered with the Information Commissioner’s Office. Your details are shared only with the adviser matched to your enquiry — never sold on.
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Years connecting savers with advisers
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Of UK clients supported since 2015
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FCA-regulated adviser panel
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Average client rating out of 5
What we help with
Pension and retirement planning services
Whatever stage you’re at — several forgotten workplace pots, a defined benefit scheme, or a retirement date on the horizon — there’s a specialist for it.
Pension transfer advice
Independent analysis of whether moving your pension improves your outcome — comparing charges, fund performance, flexibility and the guarantees you’d give up.
Learn morePension consolidation
The average UK worker has several jobs and several pensions. Bringing them together can cut charges, simplify admin and give you one clear view of your retirement.
Learn morePension tracing
Lost track of an old workplace scheme? We help you find pensions from previous employers so nothing is left behind before you plan your retirement income.
Learn moreDefined benefit & final salary
Final salary pension transfer specialists with the specific FCA permissions required to advise on defined benefit schemes — including when staying put is the right answer.
Learn moreSIPP & SSAS pension advice
Self-invested personal pensions and small self-administered schemes for those who want more control — including business owners using a SSAS alongside their company.
Learn moreRetirement planning
UK retirement planning specialists who model your income, tax position and drawdown strategy so you know what your money will actually pay you each year.
Learn morePension review & set-up
A health check on what you already hold, or a properly structured new plan if you’re starting from scratch or going self-employed.
Learn moreWider financial planning
Advisers on our panel also cover investments and ISAs, mortgages, family protection, and tax & estate planning — so your pension fits the bigger picture.
Learn moreNot sure what you need?
That’s completely normal. Tell us your situation in two minutes and we’ll point you towards the right kind of adviser — at no cost.
Pension transfer advice
Should you move your pension? Find out properly.
Transferring a pension can reduce charges, widen your investment choice and unlock modern drawdown flexibility. It can also mean surrendering valuable guarantees you can never get back.
Our pension transfer specialists give you a clear, written comparison so the decision is yours — made on facts rather than a sales pitch.
- Charges compared line by lineA 1% difference in annual fees can cost tens of thousands over a 20-year retirement.
- Guarantees identifiedGuaranteed annuity rates, protected tax-free cash and safeguarded benefits are flagged before anything moves.
- Defined benefit expertiseFinal salary transfers are only handled by advisers holding the required FCA permissions.
- No pressure to actIf your existing scheme is already the best home for your money, you’ll be told exactly that.
Retirement planning
From a pot of money to a reliable income
Saving into a pension is only half the job. The harder question is how to turn what you’ve built into a sustainable income that lasts — without paying more tax than you need to.
Our UK retirement planning specialists build a plan around the retirement you actually want, then stress-test it against inflation, market falls and living longer than you expect.
- Income modellingSee what your pot realistically supports each year, and what happens if you retire earlier.
- Tax-efficient withdrawalsUsing your 25% tax-free cash, personal allowance and ISAs in the right order.
- Annuity vs drawdownAn honest comparison of certainty versus flexibility for your circumstances.
- Passing it onHow your pension fits with inheritance tax and estate planning for your family.
How it works
Three simple steps to expert advice
No paperwork marathon, no commitment. Most people are speaking with a regulated adviser within 48 hours.
01
Tell us about your pension
Complete the short enquiry form or call us. It takes about two minutes and there’s no obligation whatsoever.
02
We match you with a specialist
We select an FCA-regulated adviser from our panel whose expertise fits your pensions, your goals and your location.
03
Have your free consultation
Talk it through by phone, video or face to face. You’ll get clear answers — and you decide if you want to go further.
Free pension calculator
What could your pension be worth at retirement?
Move the sliders for an instant projection of your pension pot, your tax-free cash and the yearly income it might support. Then talk the numbers through with a regulated adviser.
Projected pension pot at retirement
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Based on 27 more years of saving.
£025% tax-free cash
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Free pension guides
Plain-English guides, written for real people
No jargon and no sales pitch — just the things we get asked about most. Request any guide and we’ll email it straight over.
Transfers
The UK Pension Transfer Guide
When a transfer makes sense, when it doesn’t, the guarantees to check first and the questions to ask any adviser.
Retirement
Your Retirement Income Blueprint
How to turn your pension pot into a sustainable income, use your tax-free cash wisely and avoid an unnecessary tax bill.
Consolidation
Tidying Up Old Workplace Pensions
Tracing lost pots, comparing charges, and deciding whether consolidating your pensions into one plan is worth it.
The benefits
What good advice actually changes
Most people don’t have a pension problem — they have an information problem. Here’s what a single conversation with a regulated adviser tends to fix.
- Lower charges on your potsOlder workplace and personal pensions often carry fees that modern plans simply don’t.
- Investments matched to your riskMany people are in a default fund that was never chosen for their age or their goals.
- A retirement date you can trustReal numbers replace guesswork — including whether retiring earlier is affordable.
- Less tax, legitimatelyContributions, allowances and withdrawal order all affect how much you keep.
- Peace of mind for your familyNominations, death benefits and estate planning handled properly, in writing.
Client reviews
Rated 5.0 out of 5 on Google
Every review below is a genuine Google review left by a My Pension Advisor client.
FAQs
Your questions, answered honestly
If your question isn’t here, just ask — we’re happy to explain anything, and it costs nothing to call.
Yes. Our matching service and your initial consultation are completely free, with no hidden fees. If you decide to take regulated advice, your adviser will explain their charges in writing and in plain English before you commit to anything.
Every adviser on our panel is authorised and regulated by the Financial Conduct Authority. You’re always free to check a firm on the FCA Register before you speak with them — we’d encourage it.
Yes. Defined benefit and final salary transfers require a specialist pension transfer adviser holding specific FCA permissions, and we introduce you to exactly that. It’s worth knowing that for most people, staying in a defined benefit scheme is the right outcome — and a good adviser will tell you so.
The enquiry form takes about two minutes. We usually match you with a suitable adviser the same working day, and your free consultation can often be booked within 48 hours at a time that suits you — including evenings.
No. The consultation is genuinely no-obligation. Plenty of people use it simply to understand where they stand, then take their time deciding what to do next — or do nothing at all.
Yes. Our pension tracing support helps you track down workplace pensions from previous employers, so nothing is left behind when you plan your retirement income. All you usually need is the employer’s name and roughly when you worked there.
Almost always. Smaller pots are the ones most likely to be sitting in high-charge legacy plans or forgotten altogether. A free conversation costs you nothing and often uncovers more than people expect.
Latest insights
Pension news and practical guidance
Clear thinking on the rules, the numbers and the decisions that affect UK savers.
Retirement
How much do you actually need to retire in the UK?
What a comfortable, moderate and minimum retirement really costs — and how to work out your own number rather than an average.
Transfers
Five questions to ask before transferring a pension
The checks that protect you — from guaranteed annuity rates to exit penalties and the charges on the plan you’re moving to.
Tax
Taking your 25% tax-free cash: timing matters
Why withdrawing your tax-free lump sum too early can cost you, and how to sequence pension, ISA and savings withdrawals.
Free · No obligation · FCA-regulated
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Book a free consultation with an independent, FCA-regulated pension adviser and find out exactly where you stand.
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