Guidance & advice

Gateway2Retirement
To help you explore your options, you can use the Gateway2Retirement service provided by Isio, which is available to you at a subsidised rate. It offers guidance and financial advice about all your retirement options. There is a charge for this, but Cummins pays the first £250 towards it.

Call: 0203 372 2114 
Email: [email protected]

Independent financial advice
If you prefer, you can of course use your own independent financial adviser, but this will be at your own expense. Make sure you use a certified adviser who’s specifically qualified to give advice about pensions. You can find an adviser in your local area by going to VouchedFor or Unbiased.

WATCH OUT FOR SCAMS
Sadly, scammers are continuing to target pension pots of all sizes, so please be vigilant when you’re making your retirement decisions. Around half of all pension savers don’t believe they’re at risk of being targeted by a pension scammer, but scams can happen to anyone, and no pension pot is too small for a scammer. 

Common pension scams include early pension release or a free pension review. Make sure that you always:

• reject any out-of-the-blue contact about your pension or investments 
• check the Financial Conduct Authority’s warning list 
• avoid being rushed into any decisions 
• get impartial advice.

Don’t let a scammer ruin your retirement. There’s more information on the Financial Conduct Authority's website about pension scams and how to avoid them.