Getting Started: Common First Questions About Pension Advice

When it comes to pensions and retirement planning, it’s completely normal to feel unsure about where to begin. Many people know they should be doing something, but aren’t quite sure what that something is or who they can trust to help.

We’ve answered some of the most common questions people ask us, on their first call with us, in plain English—so you can feel more confident in what comes next.

How do I know you’re a genuine company and not a scam?

With pension scams becoming more common, it’s sensible to be cautious.

Any genuine financial advice firm in the UK must be authorised and regulated by the Financial Conduct Authority (FCA). My Pension Expert is FCA-authorised (579999), meaning we must follow strict regulatory standards designed to protect consumers and provide advice responsibly. You can check our details directly on the FCA Register for added reassurance.

We’re also independently reviewed on Trustpilot, where real clients share their experiences of working with us.

Transparency and trust are essential when it comes to your finances, and we actively encourage people to check our credentials before engaging with us.

What do you think I should do?

This is one of the most common questions we hear, and the honest answer is that there’s no one-size-fits-all solution.

Everyone’s situation is different. Your age, pension value, other savings, lifestyle goals, and plans for retirement all play a role in determining the right approach. That’s why our advisers take the time to understand you before making any recommendations.

Our role is to explain your options clearly, talk through the pros and cons, and help make informed decisions that feel right for your circumstances.

How much is this going to cost me?

Cost is an important consideration, and many people worry about it before seeking advice.

Any fees are always explained clearly and upfront, so you understand exactly what you’re paying for and why. There are no hidden charges, and you’ll never be committed to anything without first agreeing to it.

Good financial advice isn’t about selling products. It’s about helping you make informed decisions with confidence and understanding the cost is part of that process.

I’m not very confident with technology. Will you handle everything for me?

Absolutely. You don’t need to be tech-savvy to get advice.

We guide you through each step and handle the technical and administrative aspects on your behalf wherever possible. Whether that’s paperwork, provider communication or explaining things in simple terms. Our role is to make the process easier, not more stressful.

If you prefer phone calls to online forms or need extra time to go through information, that’s perfectly fine. Our advice is always delivered at a pace that suits you.

Taking the first step doesn’t have to be difficult

Starting conversations about pensions can feel daunting, especially if you’ve put it off for a while or don’t feel confident with financial matters. But asking questions is the first step toward clarity.

At My Pension Expert, we believe financial advice should feel supportive, straightforward and personal—not overwhelming. We’re here to help you understand your options, answer your questions honestly and give you the confidence to move forward. Whatever that next step looks like for you.

If you’re unsure where to begin, getting clear answers to your first questions can make all the difference.