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Pensioner income vs average expenditure

Discover the situation in your region using the map below

If you’re worried you’re going to fall short in retirement, you could be one of the 14% of the adults under 60 who aren’t receiving a pension already who did not pay into one in 2017 because they didn’t feel like they knew enough to do so 1.

If that sounds like you, help is at hand. Our financial advisers can offer advice to help point you in the right direction and get your finances fit for retirement.

Please note: our helpdesk are there to make sure our service is right for you - not to provide actual advice.

ADVICE OFFER No minimum advice charge

Contact us about financial advice by 28 February 2020 and we’ll waive our minimum advice charge. Other advice charges do still apply. Terms below

Find out more

Although we charge a fee for financial advice, the cost of doing nothing could be greater. Our guide has more details about our advice service, alternatively our advice helpdesk can help you work out if advice is right for you.

1 Office of National Statistics data from 2017.

Please note: our helpdesk are there to make sure our service is right for you - not to provide actual advice.

This map isn’t a guide to savings for retirement and you should always make decisions based on your own goals and circumstances

Select one of the regions to see the geographic breakdown of retirement figures.

Select one of the regions to see the geographic breakdown of retirement figures

How we can help you in retirement

Book a call with our advisory helpdesk

Find out if you could benefit from financial advice.

Book a call

Find out more about advice

Learn more about saving for retirement

Pensions can get complex. We'll help you make sense of it all.

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Contact us

0117 317 1690

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Terms of the offer

What are the full terms of the offer?

1. This offer is that, subject to these terms and conditions, where you contact our Advisory Helpdesk between 2 January 2020 and the close of business 28 February 2020, and decide that you wish to receive advice from us, we will waive our minimum charge of our telephone and face-to-face advice.

2. If you decide that you wish to receive advice from us, we will waive our usual minimum charge of £495 (+VAT) for telephone advice or £1,495 (+VAT) for face-to-face advice, however you will still be charged at our standard rate of 1-2% of the portfolio value being advised upon. For more information regarding our financial advice charges, please visit our website at www.hl.co.uk/financial-advice/advisory-charges.

3. To be eligible you must contact our Advisory Helpdesk if you are interested in taking advice between 2 January 2020 and the close of business 28 February 2020 by calling 0117 317 1690 or by booking a call back with us by our usual close of business on 28 February 2020. You must also decide that you wish to receive advisory services from us, and pay us for advisory services, by our usual close of business on 31 August 2020.

4. You must not be an employee of, or any such employee’s immediate family or household of any Hargreaves Lansdown Group company.

Please note:

5. The offer is limited to one waiver of the minimum charge per client.

6. Only one waiver will be made per address. This means that if more than one person from a single address takes financial advice, you’ll only receive one waiver of the minimum charge.

7. This offer excludes advice provided in respect of Defined Benefit scheme transfers.

8. This offer excludes on-going advice charges.

9. Where any other discount is applied to our advisory charges the voucher will not be valid.

10. Where you qualify for the offer, your Financial Adviser will apply the waiver of the minimum charge to your financial advice agreement.

11. We may amend, extend or withdraw this offer at any time. Details of any such amendment, extension or withdrawal will be posted on our website at www.hl.co.uk/financial-advice.

12. This offer will be governed by English law and, in participating, you submit to the jurisdiction of the English courts.

13. References in these terms and conditions to “Hargreaves Lansdown”, “our”, “us” or “we” are to Hargreaves Lansdown Advisory Services Limited (company number 03509545), authorised and regulated by the Financial Conduct Authority (FCA Register number 189627), whose registered office is at 1 College Square South, Anchor Road, Bristol, BS1 5HL. References to the “Hargreaves Lansdown Group” are to Hargreaves Lansdown plc (company number 02122142) and its subsidiaries from time to time.