For advice on accessing pension benefits, contact the governments free and impartial guidance service Pension Wise.
Important changes to your pension
As you are aware we annually review the charging structure of our pension schemes. Below are details of the changes which take effect for all clients from 1st February 2018.
Our 2018 fees
We are pleased to be able to announce that over 65% of our fees remain at last year’s level and nearly 15% have reduced. This is due to our ability to pass on savings in some areas through the continued investment in improved administration technology.

In the few areas where we have increased fees these are in line with the increased cost of providing services in a safe, controlled and compliant manner.
When do they come into effect?
All changes to fees for periodic or one-off activities will take effect from the 1st February 2018.

Changes to our recurring fees, such as the annual administration fee, will come into effect from your next renewal dates on or after 1st February 2018.

You can view our current fee schedules which will be in effect until 31st January 2018 here.
Do you have any questions?
We are unable to provide financial advice therefore we recommend that all clients speak to a financial adviser in the first instance with any questions regarding these changes or their investments.

For further information about financial advisers in your area, please visit