Get help with my pension

At Smart Pension, for example, we’ve got a range of online resources to help you make the most of saving for retirement. If you’ve got a specific question relating to your Smart Pension account, you can always contact our Customer Care Team – they’re here to help.

Your employer should also be able to help you if you have a problem or question relating to your workplace pension. They can provide information about your pension scheme and how much you’re contributing, as well as explaining any additional benefits your workplace might offer, such as matching contributions.

Access free pension help from Government services

Beyond your pension provider and employer, there are several trusted Government-backed services available to help you navigate your pension options. MoneyHelper offers free, impartial information and guidance on pensions, savings and debt. It’s worth knowing that MoneyHelper can give you general information and guidance, but not financial advice. 

If you’re over 50, you can book a free appointment with the Government’s Pension Wise service, to discuss your pension retirement options, including accessing your savings, tax implications and how to make informed decisions when approaching retirement. These one-to-one sessions are carried out over telephone and provide tailored guidance, so you can feel confident about planning your financial future.

Thinking about financial advice

If you’re looking for personal financial advice that’s specific to your circumstances, you might consider speaking to an Independent Financial Adviser (IFA). Websites like MoneyHelper can help you find regulated IFAs in your area. While there may be a cost associated with financial advice, it can be a worthwhile investment, particularly if your pension savings are substantial or you have complex financial needs or concerns about specific areas such as inheritance tax planning.

Final thought – start today

Whether you’re just starting out with your pension or preparing for retirement, there’s a wide range of support available to ensure you’re making the most of your savings, and taking control of your future. Don’t hesitate to reach out – your future self will thank you!

Find more ways to plan for your retirement here.