A comfortable UK retirement costs about £43,900 a year single or £60,600 a couple (PLSA 2025). What the moderate and minimum standards are, how the State Pension fits, and the pot you might need.
How to combine your pensions into one plan, step by step, and the pensions you should not move: defined benefit, guaranteed annuity rates, exit penalties and protected benefits.
The 2026 average ongoing adviser fee is 0.83% a year. What UK advisers actually charge, the platform and fund costs most people miss, what First Equitable charges from 0.3%, and five questions to ask before you commit.
All IFAs are financial advisers, but not all financial advisers are independent. What independent and restricted actually mean, which job titles are protected, and how to check any adviser in two minutes.
IFA stands for independent financial adviser: one who recommends from the whole market, not one provider’s range. What independent means, what an IFA does, how they are regulated, and what advice actually costs.
Should you wish to speak with someone immediately, please call our Liverpool office below:
First Equitable
3rd Floor
14 Castle Street
Liverpool
L2 0NE
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