Savings & investment advice
Helping you plan confidently for your best retirement
What to expect from our savings & investment advice
Your money should work as hard as you do. When you speak with us, you’ll get:
- A plan built around your goals - whether that’s growing wealth, saving for the future, or creating financial security
- Independent, whole-of-market advice, so you’re not limited to our products - we’ll find the best options for you
- Clear, tailored recommendations, so you know exactly how to invest and manage your money with confidence
- Ongoing support, helping you stay on the right financial path as life and markets change
How much does this sort of advice cost?
It will cost £1,495 (including VAT).
If you decide to go ahead, you can pay us at any time after your second, in-depth chat with your adviser. As part of that chat, your adviser will check and confirm that our advice will give you real value for money.
If you choose to receive combined retirement, pension planning, savings and investment advice, the total cost is £2,245 under our bundled pricing.
Call us today
The first call is a free chat to get to know you, and will only take about 15 minutes. You'll need to have at least £50,000 in your pension pot.
0800 029 3036
Our team is available between 9am and 5pm, Monday to Friday. Calls may be monitored and recorded.
Or if you prefer, we'll call you:
How do you get savings & investment advice?
How our advisers have helped customers:
"Very happy with the service received [from Matthew] and because of that I will come back next year for annual review. I have recommended L&G service to two other people"
"I was anxious about getting something sorted, the whole experience I felt was excellent!"
"What to do for the best is daunting, not a money man but I’m happy with the route I’m taking now"
What do you get with savings & investment advice?
When you take this sort of advice with us, you'll get:
- a dedicated, independent adviser who’ll take the time to understand your goals
- a full review of the market, looking at options from different providers to find what suits you best
- a clear picture of your current investments, showing how they fit with your plans and where you could fine tune them
- tailored investment recommendations that help you meet your financial goals, whatever they are
How do our costs compare with other advisers?
Most advisers charge a percentage of your savings. We use a fixed fee, which often works out cheaper as your savings grow.
Learn more about financial advice and retirement planning
Listen to our podcast
Iona Bain and guests will help you make smart money choices and get to grips with your finances for the longer term.
Need help deciding how to use your pension pot?
Answer some simple questions and we can help you understand which retirement income product type suits you best.
Other common questions
Savings & investment advice goes beyond picking funds. It helps you build a strategy tailored to your goals, risk tolerance, and tax position. Professional advice can ensure your portfolio is diversified, aligned with your objectives, and reviewed regularly as markets and your circumstances change.
All investments carry some risk, but advice helps you understand what level of risk is appropriate for you. We’ll assess your goals, time horizon, and comfort with market fluctuations, then recommend options that balance growth potential with security.
Yes. We’ll consider tax-efficient options like ISAs and pensions to help you keep more of your returns.
Advice isn’t just about choosing products—it’s about creating a plan. We’ll help you identify opportunities, manage risk, and make tax-efficient decisions so your money works harder for your future.
No. Providers differ in charges, fund options, and features. Advice ensures you choose solutions that fit your needs and avoid unnecessary costs.
At the most basic level:
- Guidance helps you understand your possible financial choices
- Advice tells you which financial choices are best for you
Our free guide will help you understand the difference between guidance and advice, when you need each of them and how to get the most out of them.
It’s never too late to make your money work for you. Even if you’re close to retirement, investing can help preserve and grow your wealth. Advice can guide you on the right approach for your stage of life.
The earlier you start, the more time your money has to grow. Even small amounts invested regularly can make a big difference over time. Advice helps you start smart and stay on track.
There can be many different reasons people start to think about financial advice - from general retirement planning to responding to changes at work, like new jobs, redundancies, imminent retirement or even receiving an inheritance.
It’s a regulatory requirement that financial advisers must be paid through adviser charges, and not through commission or other benefits. The regulation was introduced to help make it easier to understand what the costs of advice are and make it easier to compare advice services, so that you can make an informed decision about whether or not to take advice, and which advice service to choose.
Need some help?
Retirement Advice
Not sure if advice is right for you?
It's still worth giving our advice team a call. They'll help you explore your options - no pressure, no obligation.
0800 029 3036
Our team is available between 9.00am and 5.00pm, Monday to Friday. Calls may be monitored and recorded.
Prefer to plan on your own?
Try our Retirement Planner - a simple way to start shaping your future at your own pace.
Retirement guidance
Pension Wise from MoneyHelper
If you're aged 50+ you can get guidance from the government's free and impartial service to help make your money and pension choices clearer.
The availability of appointments can vary between a few days and several weeks, so if you need guidance, it's a good idea to book an appointment slot now:
0800 138 3944
Monday to Friday 9am to 5pm.
Calls may be recorded and monitored.