Personalised Advice – Lump Sum2019-10-16T10:51:54+01:00

Looking to access your pension?

At 55, you can normally access your pension, with 25% tax-free being available as a lump sum withdrawal. Our personalised financial plan will show you what happens if you do.

  • How much you can spend now and still meet your retirement needs
  • How to invest your remaining pension pot
  • How to access your pension in the most effective way
  • One-tenth of the average UK adviser fee

Help us make financial planning affordable and accessible to everyone. Our first 100 users will receive their personalised plan for free.

Pave the road to the stress-free, secure retirement you deserve with step-by-step advice. Your personalised financial plan will show you how to:

  • Slash tax bills and fees

  • Make the most of your tax allowances

  • Most effectively draw income for shorter-term goals

  • Spend safe amounts to not run out of money in retirement
  • Find the best investment products for your objectives

  • Secure and grow your nest egg

  • Reduce investment and unforeseen expense risks

  • Finance the lifestyle you want in retirement

Authorised and Regulated by the
Financial Conduct Authority

Protected by the Financial Services Compensation Scheme

We don’t share your data. Secure encrypted data transfer.

Bridging the Advice Gap…

Pensions & taxes – now yours to decide upon

As life expectancy and pension freedom regulation rise in the UK, final salary pension security is disappearing and leaving hard questions in its wake:

  • Should I take my pension pot out at 55?
  • Where do I invest my pension money?
  • How much can I spend and give to my kids?
  • How do I avoid UK pension tax traps?

Lump sum calculator

Our lump sum calculator is a quick way to get an idea of how much tax you would pay on a lump sum withdrawal and how it might impact your retirement income later in life.

Try it now »

Powerful, personal pension advice.
For everyone

One-off advice

One-off financial advice for your current situation and future plans

Simple & actionable

Concrete steps to reach your retirement lifestyle goals. No jargon or complexity.

Fully personalised

Completely tailored to your financial state, habits, investment style, and tax status.

All-digital
process

30-minute online questionnaire. We collect pension & tax data on your behalf.

Unbiased investment recommendations

We don’t get commission for products we recommend; we handpick them for the value they bring to you

For 10% of the
traditional cost

£300 flat instead of £3,000+.

Your point-in-time
custom financial plan

Predict how your expenses will
change in retirement and how
much you should spend, invest
and save in order to afford the
lifestyle that you desire.
  • Estimate of expenses until and in retirement
  • How much should you save
  • Risk of running out of money
  • Relative lifestyle expected in retirement
  • Impact of one-off expenses
Grow your nest egg by reducing
UK income, inheritance and other
taxes, and slashing the fees you
currently pay to investment providers.
  • How to make the most of your allowances
  • Analysis of the fees you currently pay
  • Take steps to minimise your lifetime taxes
Improve your investment strategy and
find the right products for your risk
appetite, goals, and previous investment
history. 
Since we don’t take any commissions,
we can recommend the very best
investments for you.
  • Overview of your current assets 
  • Future savings plan
  • Most cost-effective investments
  • Get unbiased product recommendations
  • Find index trackers, exchange traded
    funds and low-cost platforms to invest in

After downloading your report, one of our
financial advisors will arrange a call with
you to explain what is in the report and
answer any questions you may have.
  • 30-minute free consultation
  • Strategy review
  • Step-by-step advice
  • Additional tips and tricks

How it works

30 minutes

Give us some info

Complete the industry-leading AdviceBridge questionnaire, and e-sign a few papers to authorise us to retrieve your exact information from pension and investment providers. Sign up for free to get started.

2-4 weeks

Get your personalised plan

Our expert advisers and simulation software crunch the numbers and prepare your custom PDF report. Timing depends on how fast institutions’ respond to our requests for information.

Decades to come

Retire on your terms

Your dedicated financial adviser walks you through your plan over the phone. So start your journey to towards the stress-free retirement you deserve!

How much does it cost?

£300 one-off, forever better off!

from £2,000
to £3,000

Average cost of traditional financial advice in the UK

£300 incl. VAT

Free for the first 100 users!

Complete retirement financial plan + phone consultation

DIY Advisor AdviceBridge
Base fee Weeks of work, learning materials Up to £3,000 £300 flat
Time spent Ongoing work Hours of correspondence 60 minutes
Questionnaire + phone call
Risk High
Mistakes, bad decisions, changing regulation
Medium
some advisors stick to limited practice and areas of expertise
Low
Battle-tested process for taxes, investments and pensions
Process Research, compare, make mistakes, learn, repeat Appointments, meetings, emails 100% online

Why it works

Our next-generation approach fosters efficiencies that we pass down to you as savings.

We are AdviceBridge…

A team of finance academics, professionals and data scientists determined to make financial advice accessible to all. Being unaffiliated with investment providers, we can offer unbiased, genuinely honest advice and investment recommendations.

…and you’re safe with us

FCA approved, participant
in FCA Advice Unit

Secure encrypted file transfer

Private, confidential, GDPR-compliant

No access to your accounts, funds or assets

Fiduciary agreement: your interests come first

No lock-in, commissions, or salespeople. Just honest advice

Make the future brighter
with a word of advice

Pave the road to stress-free retirement with your personalised financial plan.

Frequently Asked Questions

Why do I need pension advice in the first place?2019-09-26T15:38:51+01:00

Professional financial advice can save you considerable time and money, and provide the peace of mind that’s in such short supply in these confusing times.

Pensions used to be simpler back in the day, but the April 2015 pension freedoms reform in the UK gave people 55+ much greater freedom to access their pension pots. This created both great opportunities and risks. Navigating the complexity of UK tax law and the investment landscape can be a full-time job in itself, and mistakes can result in your nest egg getting depleted quickly. A professional adviser, on the other hand, will recommend the best decisions for your unique circumstances, with your financial needs and UK tax and pension regulations in mind.

For those aged 50 or over, a great place to start is by having a free pension guidance session from Pension Wise. Pension Wise is a government service that helps you understand what you can do with your pension and the tax implications of the various options open to you. They are however, unable to provide you with personalised recommendations for your specific financial circumstances.

What makes you better than traditional advisers?2019-09-26T15:42:02+01:00

In a nutshell: a much better experience at one-tenth of the price. Our process is completely online and on-demand, and we charge 10% of the usual adviser fee.

Traditional advice requires appointments, emails and lengthy phone calls. Financial advisers in the UK charge hefty fees – usually £2,000 to £3,000 or more – and in many cases earn much more from ongoing fees and commissions on the financial products they sell you. We only charge a one-time £300 flat fee (VAT included) to create a complete financial plan for your retirement, which also includes handpicked investment opportunities that we recommend without hidden costs, as we don’t get any commission.

Who is AdviceBridge for?2019-12-17T10:35:06+00:00

AdviceBridge is on a mission to make sure that everyone has the support they need to take control of their finances. We are continuously improving and broadening our service. At the moment we are only able to help clients who fulfil the following criteria.

  • You are resident and domiciled in the UK
  • You are generally in good health
  • You do not have any unsecured loans
  • You are not currently contributing to pensions with safe-guarded benefits such as a final salary pension
  • You do not own any buy-to-let property or any non-standard investments
  • You do not receive any means-tested benefits
  • You would like to plan individually, not as a couple

To check your eligibility click here for the full list.

Are you registered with the Financial Conduct Authority?2019-09-26T15:46:09+01:00

Yes, we are authorised and regulated by the Financial Conduct Authority. We also participated in the FCA’s Advice Unit initiative, and our services are covered by the Financial Services Compensation Scheme (FSCS).

AdviceBridge is delivered under license by NB Dhanuka Investment Management, which is registered in England & Wales with company number 10465716. Our FCA registration number is 779505.

What risks should I be aware of?2019-12-17T12:15:55+00:00

The past performance of any investment is not necessarily a guide to future returns. The value of investments or income from them may go down as well as up and therefore you may not necessarily get back the amount you invested. 

Tax and Pension rules are also subject to change. This could have a material impact on your outcomes.

Is my data safe?2019-09-24T11:54:07+01:00

We go above and beyond to protect our clients’ privacy and confidentiality. Any data you provide is protected with  secure encryption and regulated under GDPR. While your advisers will contact relevant institutions on your behalf, with your written consent, AdviceBridge has no access to your accounts, funds or investments. Please read our privacy policy for further details.

Put your retirement savings on the right track