Planning ahead

Related links

Useful contacts

This section includes the contact details of a range of organisations that you may find useful. Where available, we have included textphone numbers for readers who are deaf or hard of hearing, or who have speech difficulties.

Some phone numbers are ‘Freephone’, which means calls are usually free from landlines. For most other phone numbers, calls are charged at local or national rates. Call charges may be different if you call from a mobile phone or a public phone. You should check the exact call charges with your provider.

The Pension Service

The Pension Service is part of the Department for Work and Pensions. It has been set up to provide today’s and future pensioners with a dedicated service. You can talk to them about your State Pension, Pension Credit and other entitlements. Or find out what you can expect when you reach State Pension retirement age.
Phone: 0845 60 60 265
Textphone: 0845 60 60 285
Welsh-language phone: 0845 60 60 275
Textphone for Welsh language: 0845 60 60 295
Lines are open from 8am to 8pm, Monday to Friday

For information about State Pension forecasts
To get a State Pension forecast, contact the Retirement Pension Forecasting Team.
Phone: 0845 3000 168
Textphone: 0845 3000 169
Lines are open from 8am to 8pm, Monday to Friday, and from 9am to 1pm on Saturdays.
Download a pension forecast application form (BR19)

For information about combined pension forecasts
If you are an employer or pension provider and would like your employees or scheme members to receive a combined pension forecast, contact a customer account manager.
Phone: 0870 010 1684
Lines are open from 9am to 5pm, Monday to Friday.

If you have a question about a combined pension forecast that you have received from your employer or pension provider, contact the Retirement Pension Forecasting Team.

To contact the Pension Tracing Service
Phone: 0845 6002 537
Textphone: 0845 3000 169
Lines are open from 8am to 6pm, Monday to Friday.

Pension Tracing Service
The Pension Service,
Tyneview Park,
Whitley Road
Newcastle upon Tyne
NE98 1BA

Make a tracing request online

Citizens Advice

The Citizens Advice service helps people sort out their legal, money and other problems by providing free, independent and confidential advice. They will be able to tell you more about the different types of pension available.
Find your nearest office by visiting the Citizens Advice website

Directgov

The Directgov website is the place to turn for the widest range of government information and services in one place. As well as government departments, the site has links to other organisations that can offer advice and support – including information about pensions, money and tax.
Visit the Directgov website

Financial Services Authority (FSA)

The FSA is the independent watchdog set up by the Government to regulate financial services and protect your rights. They aim to help you understand financial services and get a fair deal.
Phone: 0845 606 1234 (consumer helpline)
Textphone: 0845 730 0204
Find out more on the Financial Services Authority website
View the FSA’s register of authorised financial services firms on the Financial Services Authority website

HM Revenue & Customs

HM Revenue & Customs (HMRC) is responsible for collecting taxes, including National Insurance contributions, as well as paying tax credits and Child Benefit.
Phone: 0845 302 1479
Lines are open from 8am to 5pm, Monday to Friday.
Visit the HM Revenue & Customs website

For information about Individual Savings Accounts (ISAs)
Phone: 0845 604 1701
Lines are open from 8.30am to 5pm, Monday to Thursday, and from 8.30am to 4.30pm on Fridays

For information about contracted-out pensions
Phone 0845 915 0150 (you will need to quote your National Insurance number)
Lines are open from 8am to 5pm, Monday to Friday

Independent financial advisers (IFAs)

These organisations can help you find advisers in your area who specialise in retirement planning and pensions.

If you decide to get advice from an independent financial adviser (IFA), you may have to pay the adviser a fee for their services, or pay indirectly through commission. Commission is the payment that financial advisers get from the product provider for each sale they make.

Before you get financial advice, your adviser will give you a document explaining their services and charges. You should always ask for details of what pensions your adviser can offer and how much you will have to pay in fees or commission.

IFA Promotion
Phone: 0800 085 3250
Textphone: 0800 083 0196
To find an IFA near you visit the IFA Promotion website
Find out more on the Personal Finance Society website
Find out more on the My Local Adviser website

The Pensions Advisory Service

The Pensions Advisory Service is an independent not-for-profit organisation that provides free information and guidance on the whole range of pensions covering state, company, personal and stakeholder schemes. They also help you if you have a problem, complaint or disagreement with your occupational or private pension provider.

Phone: 0845 601 2923 Lines are open from 9am to 5pm, Monday to Friday.
Address: The Pensions Advisory Service
11 Belgrave Road
London
SW1V 1RB
Find out more on the Pensions Advisory Service website