Things to consider

Getting help and advice

The Trustee strongly recommends that you take independent financial advice to help you decide which option is best for your circumstances. Neither the Trustee nor the Company is authorised to give you any financial advice. If you need to find an independent financial adviser in your local area, you can use these websites:

Vouched For


You can also find news and tips on money and saving at

Financial advice service

Premier offers a guidance and financial advice service if you wish to discuss your financial circumstances and your retirement options. Please see Gateway2Retirement for more details. 

For more information about pensions

MoneyHelper is the government’s financial information and guidance service. It’s the easy way to get free, trusted help for your money and pension choices.

Offering free, impartial help that’s quick to find and easy to use, MoneyHelper is available online or over the phone and provides clear money and pensions guidance, as well as pointers to trusted services if you need more support. It helps people to clear their debts, reduce spending and make the most of their income to build up savings and pensions and know their options. Go to

Don’t let a scammer enjoy your retirement

Pension scams can be hard to spot, and we would like to remind members to continue to be vigilant. Scammers can be articulate and financially knowledgeable with credible-looking websites, testimonials and materials that are hard to distinguish from the real thing.

They make false claims to gain your trust, claiming they are authorised by the FCA or that they don’t need to be because they aren’t providing the advice themselves.

Cold calling about pensions is illegal. If someone contacts you out of the blue about your pension, it’s best simply to hang up. The Pensions Regulator’s advice to members is:

  • reject unexpected offers
  • check who you’re dealing with
  • don’t be rushed or pressured
  • get impartial information and advice.

You can find out more from the Financial Conduct Authority about pension scams and how to avoid them, as well as what to do if you think you’re being targeted by scammers.

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