My Pension Expert is a Business Reporter client
For many people, the journey to retirement begins with a single letter. Often it arrives around age 55, from your pension provider, politely reminding you that it’s time to start thinking about your future.
For some, this can be an exciting milestone – a chance to dream about the years ahead. For others, it can spark confusion or even anxiety. You’ve spent decades working and saving, yet suddenly you’re expected to decide how to make those savings last for the rest of your life. And all too often, the information you’re given feels vague or technical, with little explanation of what it actually means for you.
The changing face of retirement
A big part of this confusion comes down to how dramatically the pension landscape has changed in recent decades. Once upon a time, most people could rely on a defined benefit pension – your employer handled the details, guaranteeing an income for life.
Today, that’s rarely the case. Most workers now have defined contribution pensions, meaning it’s up to each of us to save for our own retirement – and then decide how to use that pot when the time comes.
It’s an enormous shift in responsibility, and unfortunately, education hasn’t kept pace. Many people reach their 50s or 60s with a healthy pension fund but no real idea of what to do next. That’s where expert financial advice can make all the difference.
Why clear guidance matters
It’s no surprise that so many people feel uncertain about their pension. The letters and statements you receive can be confusing – filled with numbers, jargon and graphs that don’t explain what they actually mean for your future lifestyle.
And when you don’t know where to turn, you do what most people do: ask friends or family, or try searching online. While these can be helpful starting points, they rarely provide personalised, regulated advice that considers your unique circumstances, goals and needs.
Your retirement is one of the most important financial chapters of your life – and it’s deeply personal. That’s why tailored financial advice isn’t a luxury; it’s a necessity.
Making advice accessible for everyone
At My Pension Expert, our mission is to make professional financial advice accessible to everyone – not just the wealthy.
We understand that for many people, the idea of speaking to a financial adviser can feel intimidating. That’s why we’ve built an advice process that’s friendly, flexible and focused entirely on you.
Our clients can speak to our team from the comfort of their own home, over the phone or via video call. We call it our “armchair service”. It’s designed to be convenient and comfortable, removing the pressure and making it easy to ask questions at your own pace.
How the advice journey works
Your journey with My Pension Expert begins with a simple, no-obligation conversation with one of our retirement technicians – specialists who take the time to understand your situation, lifestyle, and future aspirations.
If you decide to go ahead, you’ll then be matched with a regulated financial adviser who reviews all your information and creates a tailored recommendation. Whether that means combining several pensions, moving funds for better performance or securing guaranteed income through an annuity, your adviser will help you choose the option that best aligns with your goals.
Once you’ve received your advice, our client services team will handle the practical side – from transferring funds to finalising paperwork. You’ll have support at every step of the journey, so you can move forward with confidence.
Ongoing support when you need it
Of course, life changes – and your retirement plans might, too. That’s why many of our clients choose to stay in touch for ongoing advice. Regular check-ins mean we can make sure your pension continues to work as hard as possible for you.
But there’s never any pressure. If you simply want one-time advice, that’s absolutely fine. The key is knowing that we’re always here to help when you need us.
It’s never too early – or too late – to seek advice
You don’t have to wait until you’re on the brink of retirement to benefit from expert guidance. In fact, seeking advice earlier can make a huge difference.
If you’re in your 40s or 50s, for example, and have several workplace pensions scattered across different providers, we can help you track them down, understand how they’re performing, and make sure your money is working as efficiently as possible.
And if, after reviewing your situation, we find that your pensions are already in good shape, we’ll tell you – and you won’t be charged a penny.
The goal is simple: to give you peace of mind that you’re making the most of what you’ve earned.
Final thoughts
When it comes to retirement, there’s no one-size-fits-all solution. Everyone’s financial situation, lifestyle and dreams for the future are different. What matters most is making informed decisions – and that’s what professional advice empowers you to do.
So, if you’re staring at a pension statement wondering what it all means, or you’re simply unsure whether your savings will give you the lifestyle you want, don’t go it alone.
At My Pension Expert, we’re here to make sense of the numbers, guide you through your options and help you build a retirement plan that truly works for you. Because with the right advice, the retirement you’ve always imagined really is within reach.