We appreciate there can be a lot to think about when it comes to retirement. The income you'll need. The tax implications of the choices you make. How comfortable you feel with risk, and how that can affect what you end up with.
The good news is, we can help.
Our expert advisers are here to help
They will help make your money work harder for you. They'll:
- Get to know you, your current situation and your future goals.
- Find the best solutions for you from across the market - not just our own products. If a product is better suited to you and it is not one of ours, we will tell you.
- Understand your attitude to risk to ensure your investments are aligned to what you feel comfortable with.
- Help you understand the tax implications of any decisions you make.
- Be available for one-off advice when you need it or more regular support.
- Understand what you have, for example pensions, savings, investments and financial obligations.
- Check that advice can make a difference to you - and if not, they'll help you find alternative support
Call us today
The first call is a free chat to get to know you, and will only take about 15 minutes.
0808 271 8776
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 advice?
In just a few simple steps you can have a bespoke financial plan. It starts with a free chat to get to know you:
How do customers feel about our advice service?
“It feels good to have an expert to discuss my options with.”
"I wasn’t confident to take the plunge myself on sorting out my pension but advice gave me that confidence."
"I already have a background in pensions but I wanted someone to confirm what I wanted to do was fine.”
What do you get from advice?
If you take advice from us, you'll receive:
- A named, independent adviser - who will take the time to get to know you
- A whole of market review - they'll look at products from other providers as well as our own, and find the best solution for you
- Comprehensive cash flow modelling - your adviser will explore your current and future income needs. They'll match your expected outcomes with your goals, identify gaps and opportunities, and provide solutions
- Analysis of your attitude to risk - they'll dive into how you feel about risk, to ensure their recommendation is one you're comfortable with
How much does it cost?
If you decide to take our advice, we have two levels of service to choose from:
- Pension or investment advice: £1,495
- Pension and investment advice: £2,245
Your adviser will explain all costs and benefits before you pay anything. And our advisers aren't sales incentivised - so there's no hard sell or pressure to continue.
Frequently asked questions about advice
Are there different ways to take your pension?
Yes - products will vary in the features provided, key considerations when looking at options for accessing your pension include:
- Flexibility
- Period of payout
- Lump sum
- Market risk
- Guaranteed income
Our deciding how to use your pension tool aims to help you understand some of the decisions you need to make when thinking about how to use your pension pot.
I don't have a big pension pot, could advice help me?
Advice can help everyone, no matter what their financial goals are. Our advice service is aimed at people with at least £50,000 in their pension pot. If you have less than that and are aged 50+, you can book an appointment with Pension Wise for free, impartial guidance.
What's the difference between advice and guidance?
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.
Other common questions
Retirement planning goes beyond just picking investments. Financial advice covers everything from managing taxes and benefits to helping you understand how different products can meet your needs at particular stages, and even how you can use them together to meet your financial goals. Taking advice can also give you the peace of mind that you’re making the right decisions for you and your family.
The State Pension could make a difference to your retirement - but will it cover your ideal later lifestyle?
For the 2025/26 tax year, the full State Pension is £230.25 a week, if you’ve paid National Insurance for the full 35 years. That adds up to £11,973 a year. Would that support your ideal retirement lifestyle? Of course, you might be part of a couple. The two of you will get £23,946 a year – but that’s much lower than the £43,900 yearly income Retirement Living Standards suggested would be needed for a couple to enjoy a moderate retirement.
Advice can help you identify other sources and solutions that could help plug any gap between the State Pension and the retirement you'd like.
No - different providers may have higher rates of payment, different options, features, qualifying criteria and charges. The options they offer could have different tax implications for you.
When you take advice, you’ll get access to years of training, expertise and insights, helping you navigate the complexities of financial planning. That includes understanding your savings choices, exploring your attitude to risk, seeing which products could be best suited to you, and making sure you’re on track to achieve your current (and future) goals.
Even if you're retiring right now, advice can still be useful. Taking advice from one of our expert advisers can show you how to get the most out of your existing assets, top up any gaps in your State Pension, turn your pension pot into the best possible retirement income, find any lost pensions or even put back your retirement if you want to keep saving for a little longer.
It’s never too early to start saving into a pension – in fact, the earlier you start the better. Your money has more time to hopefully grow (though of course its value can also go down). That means you might not have to save as much later on to achieve your retirement dreams – or you could even retire early.
We also have some useful tools
Retirement planning articles
What tax will I pay on my pension pot?
If you’re looking forward to retirement, it’s good to know the best way to take your money without paying too much tax on your pension savings.
What age can I retire?
Whether you're nearing retirement or considering working into your 70s and beyond, there's plenty to think about. We look at a few things that might help you choose the right retirement age.
Annuity vs drawdown – what's the difference?
Many of us have spent the last few decades planning and carefully saving for the things that are important to us, whether that’s life’s luxuries, our mortgages and bills, or our plans for the future. As we get older we might have different priorities, but our financial planning for retirement should be just as important.
Need some help?
Making well-informed decisions about how to finance your retirement is important so it’s worth shopping around and using available guidance and advice, before you buy:
Retirement guidance
Pension Wise from MoneyHelper
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.
Speak with us
Our colleagues in Cardiff are always happy to answer your questions or help you apply for a quote.
0808 296 7335
Monday to Friday 9am to 5pm.
We may record and monitor calls.
Retirement advice
Retirement Advice Service from Legal & General
Our advisers are experts in retirement regulated by the Financial Conduct Authority, so you can trust them to provide impartial advice and a personal recommendation that’s right for you.
0808 271 8776
Monday to Friday, 9am - 5pm. Call charges will vary.
Calls may be monitored and recorded.