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


A guidance and financial advice service is available if you wish to discuss your financial circumstances and your retirement options. You can contact Premier on 0203 372 2114 or via email

For more information about pensions and retirement

The Money and Pensions Service is the government’s financial guidance service. It includes the Pensions Advisory Service, the Money Advice Service and Pension Wise, which are being merged into a single organisation, bringing together the core services of pensions guidance, money guidance and debt advice.

The Money and Pensions Service is funded by levies on pension schemes and the financial services industry. Its aim is to help everyone manage their personal finances by providing easier access to the information and guidance needed to make effective financial decisions.

Go to the Money and Pensions Service for more information and to access the various services.

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.

In January 2019, the government introduced a ban on cold calling about pensions. 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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