Pension advice
Personal Pension Advice: Find the Right Financial Adviser
A personal pension is one you set up yourself, rather than through an employer. It can be used by self-employed people, or people who want to build additional retirement savings alongside an existing workplace pension.
Choosing a provider, deciding how much to pay in and picking where it’s invested are all decisions that compound over decades. Financiable® is a free service that connects you with an adviser who provides advice through an FCA authorised and regulated firm.
Find a financial adviser
How to get personal pension advice
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Tell us what you’re looking for
Submit a short enquiry with a few details about your situation. It only takes a couple of minutes.
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Speak to our team
One of our specialists will call to understand your objectives, what you’d like advice on and where you’re based. No advice is given at this stage — we’re simply making sure we understand what you need.
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Get matched with a suitable adviser
We’ll introduce you to an adviser from our panel who is well suited to your circumstances and location.
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Have your free initial consultation
Speak to your matched adviser about your situation and what you’re trying to achieve. They’ll explain how they work with no obligation to proceed.
When should you seek personal pension advice?
There’s no rule about when to speak to an adviser, but certain situations make regulated advice more valuable.
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You’re self-employed
Without an employer contributing on your behalf, everything rests on what you pay in and how it’s invested. Getting the structure right early makes a substantial difference over a working life.
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You’re not sure which type of pension suits you
Standard personal pensions offer ready-made investment funds, stakeholder pensions have capped charges and lower minimums, and self-invested personal pensions give the widest investment choice. The differences come down to fees, investment options and minimum contributions.
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You already have a workplace pension
A personal pension can still make sense alongside your workplace pension. An adviser can tell you which order to prioritise.
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You’re a higher-rate taxpayer
Providers usually claim basic-rate relief automatically at 20%, so a £100 contribution costs £80. If you pay tax above 20%, the extra relief has to be claimed yourself.
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Your circumstances have changed
A new job, going self-employed, a pay rise, a divorce or an inheritance are all reasonable prompts to revisit what you’ve set up.
Why choose Financiable®?
Financiable® is a trusted option for those looking to be matched with an adviser for personal pension scheme advice.
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Advice through FCA-authorised firms
We only introduce you to advisers who provide advice through a firm that is authorised and regulated by the Financial Conduct Authority.
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Matched to your circumstances
You’ll speak to our team first, then be introduced to one adviser from an FCA-authorised firm suited to your objectives and location, rather than being handed a list to work through.
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Personal pension advice across the UK
No need to search for ‘personal pension advice near me’. We can connect you with advisers in England, Scotland, Wales and Northern Ireland, with face-to-face, phone and video options.
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Free to use
Our matching service is free and so is the initial consultation. If you choose to take advice, the adviser we connect you with will set out their own charges before you decide anything.
Pension decisions get easier once you’ve spoken to someone qualified. We help you get to that conversation. Get in touch to find out more.
Contact usExplore other pension advice services
A personal pension often sits alongside other retirement decisions. Depending on where you are in the journey, you may also want to explore:
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Combining Pensions
Most people pick up several pots over a career and lose track of at least one. Bringing them together can make them easier to see and manage.
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Pension switching
Moving a pension from one provider to another — for example, shifting an old workplace pot into a personal pension.
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Pension Drawdown
For when you’re closer to using the money. Drawdown keeps your pension invested while you take an income from it, rather than exchanging the pot for a fixed income.
Trusted personal pension advice
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Authorised and regulated
Financiable® is a trading style of TFAS Wealth Limited, which is authorised and regulated by the Financial Conduct Authority – reference number: 968148.
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Registered company
TFAS Wealth Limited is a company registered in England and Wales – company number: 13664696.
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Registered office
Second Floor, St Andrew’s House, 119-121 The Headrow, Leeds LS1 5JW.
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Data protection
Registered with the Information Commissioner’s Office under registration number ZB370703.
There’s nothing to commit to at the outset. Your initial consultation is free, and walking away afterwards is a perfectly reasonable outcome.
FAQs
What is a personal pension?
A personal pension in the UK is a private pension you set up yourself, letting you save over a number of years for money to live on later. You choose the provider, and can usually decide how much and how often to pay in, and how your money is invested. All personal pensions are defined contribution schemes, so what you end up with depends on how much is paid in, how the investments perform and the fees charged.
Most can be started from age 18, or opened on behalf of someone younger. You usually can’t open or pay into one after 75, unless you’re transferring across a pension you’ve already contributed to.
How much can I contribute to a personal pension?
There’s no limit on what you can pay into a personal pension but there are limits on the amount that benefits from tax relief and on pension saving before an annual allowance tax charge may apply.
For 2026/27, the standard annual allowance is £60,000 for most people. Tax relief on an individual’s own contributions is generally limited to the higher of 100% of relevant UK earnings or £3,600 gross, provided the individual is under age 75. The annual allowance can be lower for some higher earners or people who have flexibly accessed pension benefits.
If you have little or no relevant UK earnings, you can usually contribute £2,880 net to a relief-at-source pension and receive £720 of basic-rate tax relief, making a gross contribution of £3,600.
Allowances can be reduced in some circumstances, including for higher earners and for anyone who has already taken taxable income from a pension. An adviser can confirm what applies to you.
Do personal pensions receive tax relief?
Yes. The government adds a top-up equal to the income tax you’d normally have paid. Providers usually claim basic-rate relief automatically at 20%, so a £100 contribution costs you £80. Pay tax at 40% and the same £100 contribution effectively costs £60 but you have to claim the extra yourself.
Tax treatment depends on your individual circumstances and may change.
Can I transfer my personal pension?
Generally yes, though it’s worth taking care. You might lose valuable benefits by leaving your current provider, and older plans in particular can carry guarantees that don’t exist on modern contracts. Checking what you’d be giving up comes before comparing what you’d be moving to.
Do I need financial advice for a personal pension?
There’s no legal requirement to take advice before opening or paying into a personal pension. But which provider you pick, how much you pay in and where it’s invested all affect what you’re left with at retirement. Sorting those out early is far easier than fixing them years down the line.
Pension Wise by MoneyHelper provides free impartial guidance backed by the Government, covering how personal pensions work and what to look for.
Financiable® does not provide financial advice or recommendations. We introduce you to FCA authorised advisers who do, and the initial consultation is free with no obligation to proceed.
Ready to talk to someone about your pension?
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