Explore your pension options and tailor your retirement plan
No matter how and when you plan to retire, financial advice can help get you the best plan for your retirement.
Planning for your retirement can seem like a daunting subject with so many options available to you. Whether you’re looking to start saving for your retirement, want to make the most of your existing pensions or you are planning to retire soon and access your pensions, booking an appointment with a Newcastle Financial Adviser is a great place to start.
How does it work?
Your Newcastle Financial Adviser will take the time to get to know you, your circumstances and your ambitions for retirement. They will work with you to explore the options open to you, making sure you understand the different services and products.
You have the flexibility of speaking with your adviser either in branch, over the telephone or via a video call. They will review your current pension pot and explore the best options for you. Before any plans are put in place, they will make sure you understand all options and it’s up to you whether you’d like to go ahead with the advice provided.
They will take a 3-step approach to providing you with advice.
Explore
You'll begin by having a friendly chat with your adviser to understand your financial situation, goals and to make sure Newcastle Financial Advisers are the right financial fit for you.
Review
Thorough research is done to help create your personalised financial plan and provide you with a range of options to meet your needs and achieve your ambitions.
Decide
Working together with your Financial Adviser, you'll agree on an option that suits your situation, fulfils your needs and aims to realise your goals.

Meet Karl, a Newcastle Financial Adviser
Karl has helped so many people plan for their pension and get their retirement goals on track. He would be thrilled to meet you and discuss your unique circumstances and explore your options.
What are the benefits of getting financial advice for your pensions
Getting professional help from a financial adviser when it comes to pension planning is important. They will help you understand complex information and review your current pension pots. Your adviser will help you understand pensions and how to maximise your contributions and investments to make sure you’re on track for your retirement goals. They will also guide you through how best to access your pension and start taking income, if you’re planning on retiring soon.

Hear what one of Karl's customers had to say
"Karl gave sensible advice in an accessible way. He listened to my concerns and made very helpful suggestions. He is very personable and respectful."
How much does pension and retirement advice cost?
We believe everyone deserves access to financial advice, no matter their background. That's why you can receive personalised financial guidance from a friendly Newcastle Financial Adviser at no cost to you.
You’ll only be charged if you decide to implement the advice, with options for follow-up services that suit you best. You can choose different ways to cover your fees, ensuring your ongoing support, costs, and payment methods fit your needs. Read our what it costs page for more information.
When should I get financial advice
There is no right or wrong time to get financial advice, however most people tend to look for advise when they are facing a big life event. This could be planning for retirement, investing or managing complex financial decisions like buying a home or dealing with a large sum of money such as inheritance.

When thinking about your retirement, it’s a great idea to get financial advice early so you can set up a pension plan that works for you and your retirement goals. However, even if you are looking to retire soon, financial advice is still a good option as it will help you tackle what can be a complicated matter.
An introduction to pensions
To help with any questions you may have, this guide can help you find out more about some of the most popular subjects when it comes to retirement planning.

Pensions simplified
This guide offers an introduction to pensions, exploring frequently asked questions and the various types of pensions to think about.
Financial advice you can count on
How it works
Newcastle Financial Advisers will take the time to get to you know and understand your circumstances in order to tailor a plan you feel comfortable with that aims to meet your goals. Read more about the three key stages to the service.
No implementation, no fee
You'll only pay a fee if you decide to implement the advice. Read more about the associated costs for each stage of the service, our ad hoc fees and hourly rates.
Who are The Openwork Partnership?
Find out more about how Newcastle Financial Advisers and The Openwork Partnership work together.
THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CANNOT BE FORESEEN.
Approved by the Openwork Partnership on 19/09/2025.