Our Fees
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At My Pension Expert, we want to provide a fair, comprehensive, and transparent service. That’s why fees and charges are only ever applied once you’ve received and accepted our recommendations.
Your adviser will make sure you fully understand the associated costs and how they’ll impact your pension and investments during your advice call. We also include all the relevant fees and charges in the quotes and illustrations you’ll receive in your introduction pack, so any income, guaranteed maturity amounts, and other projections reflect what you’ll actually receive. There won’t be any unexpected costs added later.
Why Transparent Fees Matter
At My Pension Expert, we understand that retirement planning isn’t just about numbers, it’s about securing your future, protecting your loved ones, and achieving peace of mind. That’s why we believe complete transparency is essential when it comes to our pension advice fees and charges.
We’re committed to ensuring that every client fully understands what they’re paying for and how those fees support the tailored financial advice they receive. Whether you’re considering transferring your pension to a new provider, consolidating multiple pension pots for simplicity and efficiency, or exploring flexible-access drawdown options to manage your retirement income, we clearly outline all associated costs upfront – before any commitment is made.
Our Fees and Charges
To keep things simple, we only have two types of fees. These are taken as a percentage of your pension or savings, usually as part of the fund transfer.
Below is a breakdown of the fees and charges that may apply to you. Your adviser will highlight which are relevant and answer any questions you have during your advice call.
Provider charges – Drawdown and Investments Only
In addition to our service charges, the companies that manage and hold your investments will also charge a fee.
Please note, these fees will vary depending on your provider.
| Expert Advice | Discretionary Fund Management Charge | |
|---|---|---|
| Platform Charge | This is an annual charge paid to the platform used to manage your investments. | |
| Discretionary Fund Management Charge | This annual charge pays for the ongoing management of your fund by one of your provider’s dedicated fund managers. |
| Expert Advice | Discretionary Fund Management Charge | |
|---|---|---|
| Platform Charge | This is an annual charge paid to the platform used to manage your investments. | |
| Discretionary Fund Management Charge | This annual charge pays for the ongoing management of your fund by one of your provider’s dedicated fund managers. |
What You Get For Your Fee
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Personalised financial advice from an FCA-Regulated adviser
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A detailed discussion about your goals and recommendations
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Pension transfer/consolidation handling
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Ongoing support and annual reviews (if you’ve selected the Ongoing Advice service)
Frequently Asked Questions
Need another question answering? Get in touch with us today.
