Transparent fees

Clear pension and retirement help at a fixed price.

Three published fixed-price services cover most questions. Where your situation needs a different scope, we can provide a bespoke fixed quote. There is no percentage charge and no ongoing commitment.

Three fixed-price services, plus bespoke

You submit the question. We propose the right level of help.

The £99, £395 and £795 services give a clear structure for most enquiries. Paul reviews what you send before proposing a level. If the work falls between those levels or needs a tailored scope, you receive a bespoke fixed quote instead.

Focused help

A focused pension question

Best for: one clearly defined question about one pension, State Pension or retirement issue.

Typical questions: “What does deferring this pension mean?” · “What does this State Pension forecast show?”

£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
Delivery within five working days

Send my question for review

Usually one pension or State Pension issue. Supporting information is requested only where relevant.

More involved

A detailed pension question

Best for: a question involving several pensions, a factual comparison or a set of calculations.

Typical questions: “What should I compare before consolidating?” · “How do quotations at different 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

Send my question for review See an illustrative £395 report →

Scope is reviewed before payment. Delivery is normally within ten working days.

The full picture

Your retirement picture

Best for: understanding whether and when retirement may be affordable across several income sources.

Typical questions: “Could I retire at 60?” · “How much retirement income might I have?”

£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

Send my question for review

Scope is reviewed before payment. Delivery is normally within fifteen working days.

Bespoke scope

A tailored piece of work when the set services do not quite fit.

Some questions involve an unusual combination of pensions, two people, several scenarios or a specific piece of analysis that sits between the published levels.

Paul will review the enquiry first, explain what Pension Helper can appropriately cover and provide a one-off fixed quote. There is no obligation to proceed.

Price Quoted first No hourly meter or ongoing fee Tell us your question

What is included

Built around the question you actually have.

Every engagement starts with an agreed question and ends with written work designed to make your own situation easier to understand.

Your question and figures

Depending on scope, we use relevant pension values, dates, income sources, spending assumptions and scheme information.

Prepared personally

Paul reviews the agreed question and prepares the work. You are not passed to a sales team or call centre.

Written work you can use

Keep the explanation, comparison or illustration, share it with a partner and use it when speaking to a provider or adviser.

Important boundaries

Ask the real question. We will be clear about what we can — and cannot — answer.

For example, you may ask “Should I consolidate my pensions?” Pension Helper can explain what consolidation involves, compare factual features and identify issues to check. It cannot recommend that you transfer or consolidate.

No recommendation to transfer or consolidate pensions
No recommendation to buy, sell or select a pension product
No provider or investment selection
No implementation, applications or transaction handling
No legal or tax opinion
No defined benefit transfer recommendation

Questions near the advice boundary are reviewed before any fee is accepted.

Will I be charged before you know whether you can help?

No. Submitting the question is free. Paul reviews the whole enquiry before proposing one of the three published services or a bespoke fixed scope. Payment is requested only after you have seen and accepted that proposal.

Can I ask whether I should consolidate my pensions?

Yes. Pension Helper can explain the factual considerations, compare scheme features and identify guarantees, charges and questions to check. It cannot recommend that you transfer or consolidate.

Can you tell me whether I can retire at 60?

Pension Helper can build an illustrative retirement picture using agreed figures and assumptions, so you can see how the question looks and what variables matter. It cannot guarantee an outcome or recommend a pension product, investment or withdrawal strategy.

Are there any ongoing fees?

No. Each price is for the agreed piece of work. There is no subscription or percentage charge.

What happens if the question is more complex than expected?

If the question does not fit a published service, Paul can propose a bespoke fixed scope and price. You decide whether to proceed. Where the matter needs regulated, legal or tax advice, Pension Helper will say so rather than stretching the service.

Start by sending the question, not choosing the service.

Paul will review the enquiry and then propose the £99, £395 or £795 service, or a bespoke fixed quote where needed. You see the scope and price before deciding.

Tell us your question Free · No obligation · No payment taken