Most people don't plan to fail
...they fail to plan

Our advice process

Clients can enter our advice process at any stage of the retirement journey; pre-retirement, at-retirement or even for those already receiving their pension benefits.

Our process may vary slightly depending on the nature of your enquiry but will generally involve the following key steps:

  1. Fact Finding
    In this stage we aim to find out as much as possible about you; your priorities, objectives and personal circumstances. The more information we have about you, the easier it becomes to deliver tailored advice to meet your needs and objectives.
  2. Needs Analysis
    One of our retirement advisers will complete additional fact-finding tailored to your circumstances and stage of your retirement journey. Using our retirement modelling system, our adviser will build a tailored retirement model to show your future retirement income and the feasibility of your plans. You can test a host of different 'what if' scenarios in your retirement model and immediately see the impact e.g. What if I retire earlier? What if I gift money to my children?
  3. Due diligence
    This stage involves reviewing your existing pension arrangements so that we fully understand what you already have. Unfortunately, this stage can take several weeks as pension providers are sometimes slow to respond.
  4. Reporting
    Once we have a complete picture of your circumstances/needs and your existing pension arrangements, we will issue with a report and our recommendations about how best you should proceed.
  5. Implementation
    Where we have made a recommendation for action and you are in agreement with our recommendation, we will arrange for the implementation of our advice.
  6. Ongoing Advice
    Where appropriate, we will continue to provide ongoing reviews and advice on your pension arrangements. We aim to conduct an annual review and will look to update your retirement model at that meeting and take any necessary actions to keep your plans on track.


If you have a complaint:

You will be entitled to refer your complaint to the Financial Ombudsman Service who can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, Telephone 0800 0234 567 We will provide you with a copy of the Financial Ombudsman Service leaflet; ‘your complaint and the ombudsman’.

 The Pension Ombudsman can consider complaints about the administration of personal and group personal pensions as well as occupational schemes. You have the right to refer your complaint to The Pensions Ombudsman free of charge. The Pensions Ombudsman can be contacted at 11 Belgrave Road, London, SW1V 1RB, Telephone 0800 917 4487.

The website address for the Pension Ombudsman Service if required is  

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