I want to know when I could retire
Explore how your pensions, State Pension, savings and spending assumptions could fit around a target retirement age.
Start here
Private, fixed-fee pension and retirement help from £99
Got a pension or retirement question? Let’s make it clearer.
From “Could I retire at 60?” to “What would change if I deferred this pension?” — bring us the question that is holding you back. We provide clear written explanations, factual comparisons and agreed illustrations, without product sales or ongoing fees.
More than generic information. A practical next step when you want your own question explored but do not need, want or feel ready for full financial advice yet.
No ongoing fees
No product sales
No call centre
Free personal review · No obligation · No payment taken
You can also ask your question via our virtual receptionist
+44 (0) 20 4620 2065Your retirement questionIllustrative guidance
The question
Could I afford to retire at 60?
Current age55
Target age60
What the numbers may mean
Clear explanations, illustrations and points to consider.
DipPFS qualified
Written guidance using your figures
Price agreed before work starts
Available throughout the UK
Start with the question on your mind
What would you like help understanding?
It can be one focused pension question or your wider retirement picture. You do not need to know which service fits.
I’m weighing up when or how to take a pension
Understand how taking, delaying or deferring benefits works and which figures, assumptions and scheme rules matter.
Start hereI’m wondering whether to combine my pensions
Understand factual consolidation considerations such as charges, guarantees, access and administration before deciding what help you need.
Start hereI have another pension or retirement question
It might concern State Pension, tax-free cash, contributions, charges, a scheme feature or simply where to begin. Tell us in ordinary language.
Start here
Questions people bring to us
Real pension and retirement questions, made clearer.
These are examples, not a fixed list. Submit the question on your mind and Paul will review it personally, explain what Pension Helper can cover and tell you where another kind of help is required.
“Could I afford to retire at 60?”
We can bring pensions, State Pension, savings and spending assumptions into one illustrative retirement picture.
Ask a similar question“What would change if I deferred this pension?”
We can explain the scheme figures and timing, and show factual comparisons under agreed assumptions.
Ask a similar question“Should I consolidate my old pensions?”
We can compare factual features such as charges, guarantees and access, and identify what to check. We do not recommend a transfer.
Ask a similar question“How much income might my pensions provide?”
We can illustrate how different retirement ages, spending levels or other agreed assumptions affect the overall picture.
Ask a similar question“What happens if I take tax-free cash?”
We can explain the mechanics and illustrate how the remaining pension could be affected, without recommending an action.
Ask a similar question“Could I reduce my hours before I retire?”
We can illustrate agreed work, income and spending scenarios to show how a phased retirement could affect the wider picture.
Ask a similar questionA clear boundary: Pension Helper can explain facts, compare agreed scenarios and identify trade-offs. It does not recommend a transfer, consolidation, product or course of action.
How it works
Start with your question. We will work out the right level of help.
A calm, straightforward process for anything from one focused query to a wider retirement-planning question.
1
Tell us the question on your mind
Complete a short form in ordinary language. You do not need to choose a service or know pension terminology.
2
Paul reviews it personally
We decide whether Pension Helper can help and propose the £99, £395 or £795 service, or a bespoke fixed scope where the question does not fit neatly into those levels.
3
You decide whether to proceed
You receive the proposed scope, price, information needed and expected timetable before any payment is requested.
See what the £395 service can actually do
Not just information. Useful analysis of the question you have.
Our new sample starts with a common question: “What should I understand before consolidating my three old pensions?” It then compares the pensions, quantifies the charges, identifies a potentially valuable guarantee and sets out exactly what needs checking next.
- The answer and main findings are upfront — not buried at the end
- Relevant figures and scheme features are compared side by side
- The financial differences are quantified in pounds where possible
- The feature that matters most is clearly identified and explained
- Practical next steps show what to ask before taking any action
The Pension Helper promise
Clear help, without the usual uncertainty.
Your price is agreed before work starts.
Your work is prepared personally — not outsourced.
We do not sell pension or investment products.
There are no ongoing charges or subscriptions.
We will tell you when free guidance is the better starting point.
We will tell you when your question needs regulated advice.
The clarity promise: our job is to make the subject understandable. If part of our explanation is unclear, one clarification is included.
Prepared personally by PaulNo call centre or outsourced report writing
A real person will do the work
Hi, I’m Paul.
I created Pension Helper for people who have a genuine pension or retirement question but do not necessarily want a full financial-advice relationship.
You won’t be passed to a call centre or sales team. I personally review your question, the relevant figures and any supporting information, then prepare the written work.
My aim is simple: to help you understand what the choices mean, see how the numbers fit together and identify what you need to consider next.
DipPFS qualified
Written work to keep
UK-wide service
About Pension Helper
Three fixed prices, plus bespoke
Compare every detail
A clear service proposal after we understand your question.
Submit the question first. Paul will review the likely work and propose one of the three published service levels, or provide a bespoke fixed quote where needed.
A focused pension question
Best for: one clearly defined question about a pension, State Pension or retirement issue.
Examples: “What changes if I defer this pension?” or “What does this scheme feature mean?”
£99one-off
- One agreed question explored
- Plain-English written explanation
- Relevant figures, terms and rules
- Practical points and questions to consider
- Optional 15-minute follow-up call
Usually one pension or State Pension issue. Supporting information is requested only where relevant.
A detailed pension question
Best for: a question involving several pensions, a factual comparison or a set of calculations.
Examples: “What should I check before consolidating?” or “How do these pension start dates compare?”
£395one-off
- Written report focused on the agreed question
- Relevant figures and factual comparisons
- Assumptions and trade-offs explained
- Information gaps and next questions identified
- Intake and follow-up calls
Scope is reviewed before payment.
Your retirement picture
Best for: understanding whether and when retirement may be affordable across several income sources.
Examples: “Could I retire at 60?” or “How much income might my pensions provide?”
£795one-off
- Full written retirement report
- Year-by-year illustrative cashflow
- Agreed scenarios and assumptions
- Key sensitivities and information gaps
- 30-minute intake and follow-up calls
Scope is reviewed before payment.
Bespoke when needed
Tell us the question
Some pension and retirement questions need a tailored scope.
If the work does not fit neatly into the £99, £395 or £795 service, Paul will explain what can appropriately be covered and quote a one-off fixed fee before you decide.
Honest signposting
Which kind of pension help do you need?
Not every question needs paid help, and not every question needs full advice. The right route depends on whether you need general information, your own situation explored, or a personal recommendation.
Route
Best for
Cost
MoneyHelper or Pension Wise
General, impartial pension information and guidance.
Free
Pension Helper
Your own pension or retirement question explored using your figures, with written explanations, factual comparisons or illustrations.
Fixed fee
FCA-authorised adviser
A personal recommendation about which action or product is suitable for you.
Quoted by firm
Legal or tax specialist
Specialist legal, tax, divorce, estate or cross-border matters.
Quoted by professional
Free guidance centre
Explore all guidance
Understand the basics before you pay anyone.
Plain-English guides and practical checklists for common pension questions.
Understanding a State Pension forecast
What the forecast shows, what it does not show and which questions to check next.
Read the guideBuilding your retirement picture
The income, spending and pension information that helps make a retirement-age question meaningful.
Read the guideGuidance, coaching or regulated advice?
How to tell which kind of help fits the question you have now.
Read the guide
Common questions
Before you get started.
What kind of questions can Pension Helper help with?
Pension Helper can explore questions about retirement timing, expected income, taking or deferring a pension, State Pension, factual consolidation considerations, scheme features and pension documents. We explain and illustrate; we do not make personal recommendations.
Is Pension Helper regulated financial advice?
No. Pension Helper is not authorised or regulated by the FCA. It provides factual analysis, guidance, explanation and illustrative modelling, not a personal recommendation about what you should do or which product you should choose.
Can you tell me whether I should consolidate my pensions?
You can bring us that question. We can explain what consolidation involves, compare factual features and identify charges, guarantees and issues to check. We cannot recommend that you transfer or consolidate.
What happens before I pay?
You submit the question through the short form. Paul reviews the complete enquiry before proposing one of the three fixed-price services or a bespoke scope. No payment is taken until you have seen and accepted the proposed work and fee.
Who prepares the work?
Paul Bartlett, DipPFS, prepares the work personally. It is not passed to a call centre or an outsourced report writer.
What happens when I need regulated advice?
Pension Helper will tell you. You can then choose your own FCA-authorised adviser. Where appropriate, the service may also signpost relevant free or specialist support.
Have a pension or retirement question on your mind?
Tell us what you want to understand in ordinary language. Paul will review it and propose one of the three fixed-price services or a bespoke scope before you decide whether to proceed.
Tell us your questionFree · No obligation · No payment takenYou can also ask your question via our virtual receptionist
+44 (0) 20 4620 2065