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Retirement advice - to help you make the right decisions

As a Fidelity employee you can get 50% off the cost of retirement advice. Exclusions and T&Cs apply.

Want to access or move your pension or pensions? Pension and retirement planning can be complex, so if you are unsure about the suitability of a pension investment, retirement service or any action you need to take, Fidelity’s retirement service can help.

Our team of retirement specialists can:

  • give you advice on pension transfers
  • help you explore income options
  • explain tax rules and allowances
  • create a retirement plan based on your needs to help you get the most from your money.  

As a Fidelity employee you can get 50% off the cost of retirement advice when you book an advice appointment, subject to terms and conditions. Read exclusions and terms & conditions. 

You can also speak to an authorised financial adviser of your choice, for further support. The value of investments and the income from them can go down as well as up so you may get back less than you invest. You cannot normally access your pension savings until age 55.

What to expect from our retirement advice service

Benefits of our service

Access to retirement specialists with detailed knowledge of pension regulations, allowances, tax implications, income options and pension transfers.

Low-cost fees

Our low fees are on a fixed rate basis, and we do not charge administration or implementation fees.

Excellent service

Get personalised reports and recommendations on your pension arrangements. Discussions and annual reviews can be held face-to-face or over the phone.

Pension transfer Gold Standard

There are some big decisions to make at retirement and if you need support, we can help. All of our retirement specialists are ‘Gold Standard’ certified for safeguarded and defined benefit pension transfer advice.


Our advice fees

If you would just like our guidance service, then you won’t be charged a fee for our retirement specialists' time.  

However, if you would like advice, where we give you a personalised recommendation, there will be a fee.

Investing in advice can save you money and give you peace of mind about critical decisions at retirement. We offer personalised advice on a low, fixed fee basis and we’re proud of the excellent service and robust advice we provide. We typically spend 40 hours researching and analysing each case in detail.

To get 50% off your retirement advice, please quote your staff number when speaking to Fidelity’s retirement team. 

The fee for our advice service is based on the number of pensions you have and can include both defined contribution pensions and those with safeguarded benefits, such as defined benefit schemes which includes final salary and career average pensions. We can also offer you advice on your lifetime allowance as part of these services (but not as a standalone service).

The tables below show our standard fees, on which you can get your 50% discount.

Pension transfer and/or retirement planning advice
 1 pension £3,500 (+ VAT where applicable)
 More than 1 pension  £1,000 per additional scheme subject to a maximum fee of £10,000
Add-on services
Lifetime allowance advice £2,500
Annual Review £500 increasing to £600 on 1st January 2020

VAT may be applicable. Your retirement specialist will discuss with you any scenarios that fall outside of the above and will provide you with a fee on a case-by-case basis. For a clearer understanding of how our fees will apply to your particular situation or for a copy of our Terms of Business, please call our retirement advice service.

Get in touch

Call us

To book an appointment with a Fidelity adviser please call us on 0800 368 6874. We’re available Monday to Friday from 9am to 5pm. Don’t forget to tell us you're a staff member.

Pension Wise

The government's Pension Wise service offers free, impartial guidance to help you understand your options at retirement. You can access the guidance online or over the phone on 0800 138 3944.