🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find a Pension Adviser in the UK
Your pension is probably your largest asset after your home. Don't leave it to chance. Get matched with a qualified, independent pension adviser who'll make your retirement work harder for you.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£47kmedian pension shortfall at retirement
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use an independent Pension Adviser?
Most people have little idea what their pension will actually pay them in retirement. The difference between doing nothing and getting proper pension advice can be hundreds of thousands of pounds over a lifetime. An independent pension adviser reviews all your pensions, consolidates where beneficial, optimises your investment strategy for your risk profile, and ensures your contributions are tax-efficient. They also advise on the critical question of when and how to draw your pension — a decision that once made, often can't be reversed.
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Maximise growth
Independent advisers access the whole market to find the right investment strategy for your age and risk appetite.
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Consolidate pensions
Most people have multiple pensions from different employers. Consolidating simplifies management and often reduces fees.
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Tax efficiency
Pension contributions receive tax relief at your marginal rate. Expert advice ensures you claim everything you're entitled to.
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Retirement planning
Plan the date, draw-down strategy and income structure to maximise what you receive throughout retirement.
Every adviser matched by Nesto is independently FCA-authorised and regulated
"I'd been putting off finding a pension adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · Pension Adviser customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · Pension Adviser customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · Pension Adviser customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of pension adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Pension Adviser from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
Review whether your employer scheme is performing and whether additional contributions are worthwhile.
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Pension consolidation
Combine multiple pensions from past employers into a single, lower-cost, better-performing plan.
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SIPP advice
Self-Invested Personal Pension advice for those who want more control over their investments.
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Final salary schemes
Expert advice on defined benefit pension transfers — a complex decision requiring regulated advice.
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Retirement income
Structure your pension drawdown to provide the income you need for life.
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Death benefits
Ensure your pension nominations are in order so the right people benefit when you're gone.
Got Questions?
Frequently asked questions about Pension Advisers
The earlier the better — but it's never too late. Even starting advice in your 50s can significantly improve retirement income. The key milestone is around 10–15 years before you plan to retire.
Fees vary. Initial advice is often a percentage of the pension value (typically 1–3%) or a fixed fee. Ongoing advice is usually an annual percentage (0.5–1%). All fees must be disclosed upfront.
Absolutely — this is one of the most common reasons people seek advice. Consolidating old pensions into a single modern plan often reduces fees significantly and improves performance.
An Independent Financial Adviser (IFA) considers the whole market. A restricted adviser only recommends from a limited panel. For pension advice, an IFA is almost always preferable.
Only with regulated advice if the transfer value exceeds £30,000. This is one of the most significant financial decisions you'll ever make — specialist advice is mandatory.
Drawing income directly from your pension pot rather than buying an annuity. It offers flexibility but carries investment risk. Your adviser helps structure drawdown to last your lifetime.
A rough guide is half your age as a percentage of your salary (e.g. if you start at 30, contribute 15%). But your adviser will model your specific retirement goals and income needs.
Pensions can usually be passed to nominated beneficiaries outside your estate, potentially free from inheritance tax. Your adviser ensures your nominations are correct and tax-efficient.
Currently 55 (rising to 57 in 2028) is the minimum access age in most cases. Early access can trigger significant tax penalties. Your adviser will explain the rules for your specific scheme.
Auto-enrolment puts you into a workplace pension automatically. Opting out loses employer contributions — usually a significant benefit. Your adviser can help you decide the right contribution level.
Yes. Pensions are one of the most powerful IHT planning tools available. With the right structure, your pension can pass to the next generation largely free of inheritance tax.
Nesto matches you with qualified, independent pension advisers based on your specific needs. All advisers are FCA-regulated and vetted. Use our free matching service to get started today.
A pension adviser will run a retirement income projection based on your current pot, contributions, expected growth rate, and target retirement age. Most people are surprised — either pleasantly or unpleasantly. Getting a review early gives you time to adjust.
Pension consolidation means combining multiple pension pots from previous employers into one. Benefits include reduced fees, easier management, and clearer oversight. A pension adviser reviews each pot's terms before recommending consolidation — some schemes have valuable benefits worth keeping separate.
Yes — ill health early retirement is available before age 55 in serious circumstances. The criteria vary by scheme. A pension adviser can assess your eligibility, help with applications, and ensure you maximise any lump sum or income available to you.
Still have questions? Your matched adviser will answer them all — for free.
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
