About This Service

It’s important you understand how our service works in practice. That way, you’ll know that we can help you get a better retirement income.

This annuity service

You can take as long as you like over making your decisions; there aren’t any sales or call targets. Any calls you make to us are free. There’s no hard sell, and you won’t be rushed into doing anything.

Once you have made initial contact with The Retirement Adviser, who we pass your enquiry to, whether online or by freephone, the process you experience is broken down into 4 key steps.

A better retirement income

Step 1:  The first call

Your adviser will take the time to get to know you and what you want from your retirement. In this call he or she will cover what’s important to you and what financial planning you may have already done.

He or she will discuss your circumstances, including for example, your health, any lifestyle issues, your tax position, your family and what you want to achieve with your retirement income.  

Step 2:  Research will be carried out

With your permission, contact will be made with your current pension company to ask them the technical questions required to find out what type of pension plan you currently have and how that might affect the retirement solutions that can be recommended for you.

This normally takes around two weeks. Not all pension companies are comfortable sending that information, so you might have to be asked to contact them to get the details required. 

Step 3:  Second call from your adviser

Your adviser will call again – at a time that suits you – to explain the recommendation. This will be personal to you and is designed to meet your specific needs and circumstances, based on the details that you provide and the information from your current pension company.

This call won’t be rushed as it’s important that you understand, and are comfortable with, all aspects of the recommendation. You don’t have to accept the recommendation, and, remember, there’s no obligation, so you can walk away at this point. 

Step 4:  The information will be posted to you

If you accept the recommendation your adviser makes, you’ll be sent a pack explaining it all, this will include:

• A suitability report, explaining why this recommendation is right for you.
• An application form for the recommended product. To help save you time, much of this will be filled in from the details you and your pension company have already provided

Returning the paperwork

Then it’s up to you. If you wish to proceed with our recommendation, please complete and return the various documentation as soon as you are able. Try and avoid any delays as this might result in lost income.