How can a lump sum calculator help me?
Taking a lump sum from your pension is one of the biggest financial decisions you’ll make. In most cases, you can take up to 25% of your pension pot tax-free, but the choices you make after that can have a lasting impact on your retirement income and tax position.
A lump sum calculator gives you an idea of how much you could access now, and what that means for the rest of your pot. But it’s only an estimate, it won’t consider all the factors, like your other pensions, investments, or how withdrawals could push you into a higher tax band. That’s why speaking to an FCA-regulated adviser is so important. They can:
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Show you how to use your tax-free allowance wisely
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Explain how lump sum withdrawals affect drawdown or annuity income
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Help you avoid paying more tax than necessary
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Build a plan that balances today’s needs with long-term security
Very professional and friendly advice. Highly recommend this company to anyone who is not clear on what to do with your pension after retirement.
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Why Pension Advice Matters
Your pension is one of the most valuable assets you’ll ever own and the decisions you make about it will shape your retirement for decades to come. Getting the right advice isn’t just helpful, it can make a real difference to your income, your tax bill, and your peace of mind.
- Avoid costly mistakes
Without guidance, it’s easy to make choices that can’t be undone like locking into the wrong product, taking money out in a way that triggers unnecessary tax, or giving up valuable benefits. Expert advice helps you avoid these pitfalls. - Advice that’s personal to you
Your goals, your health, your savings, and even where you live can all affect what’s best for you. - Confidence and clarity
When you work with an FCA-regulated adviser, you know they’re required to put your interests first. That means clear explanations, tailored recommendations, and the reassurance that your retirement plan is on the right track.
Those who got advice say:
- 75% of those receiving ongoing advice report an improved quality of life [1]
- Users of financial advice gained, on average, around £47,706 extra in pension savings and other assets over 10 years compared to those who didn’t get advice [2]
- Those just 'getting by' saw a 24% increase to their wealth [3]
How it works?
It couldn't be simpler, start by completing our online form so we can get a better understanding of how we can help.
We will use the information that you provide us with to match you with the best pension adviser for you.
You’ll hear from your local adviser shortly to book your free consultation with no pressure to proceed.
Why use our service?
Making decisions about your pension is important, and getting the right advice can make all the difference. Our service connects you with trusted, FCA-regulated advisers who are ready to help you navigate your pension choices.
- Free and impartial - There’s no charge for using our service — we’ll match you with a qualified adviser at no cost to you.
- Quick and convenient - It takes less than a minute to be matched with an adviser who understands your needs.
- Advisers near you - Our nationwide network means you’ll be connected with someone local, so you can choose how and when to speak.
Our expert adviser network
All of the advisers we work with are FCA-authorised and regulated.
Frequently asked questions
Pensions can be one of the most valuable assets you’ll ever own but also one of the most complex. The right advice helps you make smart, tax-efficient choices, avoid costly mistakes, and create a retirement income that suits your goals.
The cost depends on your needs and the complexity of your situation. Your initial consultation is free, so you can explore your options without any obligation.
Often, yes you can, and this can make managing your retirement income much simpler. However, it’s important to check if you’d be giving up valuable benefits before moving your pensions. An adviser can review this for you.
You could take a tax-free lump sum, use pension drawdown, buy an annuity, or use a combination of these options. The right choice depends on your circumstances, risk appetite, and income needs. An FCA-regulated adviser can talk you through your options to help you make the right decision for you.
Simply book your free consultation using our online form and we’ll connect you with a local, regulated adviser who can review your pensions, answer your questions, and build a plan that’s right for you.
[1] Based on a report conducted by St. James's Place Wealth Management Plc in 2024
[2] According to research conducted by Royal London and ILC
[3] According to an article from ILC