Where to get pension advice

Mrsmoneypenny

We are looking at retiring in the next two years.
We are British expats, living outside the UK for 30 years, have a private pension and home in UK. So we will be coming back to UK to retire.
We live outside the UK, havent paid NI
Our pension is UK based
We have looked at our figures, but we need advice.
Where do people get independent advice about pensions?
Need to start somewhere.
Thanks

Alter_ego

Have you kept up UK National insurance payments? Have you lived in an EU country?

Mrsmoneypenny

We are outside the EU, and not paid NI
Our pension is UK based

Alter_ego

Might be worth contributing NI if that would bring you to the level where state pension starts, 10 yrs contributions I believe.
Depends how many years you had before leaving I guess.

Mrsmoneypenny

Looked into the idea of paying the NI, its not worth it.
I don't expect to get a state pension, it's not what i want, I have a very good private pension.
I'm just looking for where people go for good advice on pensions.

Alter_ego

I guess an IFA is your best bet then.

molerat

Mrsmoneypenny wrote: »

Looked into the idea of paying the NI, its not worth it.
I don't expect to get a state pension, it's not what i want, I have a very good private pension.
I'm just looking for where people go for good advice on pensions.

If you think the equivalent of a 30% annuity rate is not worth it then what is ?

If you have decided where you want to settle then maybe a IFA local to that area may be a good idea. https://www.unbiased.co.uk/

xylophone

You might as well get a state pension statement.

https://www.gov.uk/browse/working/state-pension

http://www.thepfs.org/yourmoney/find-an-adviser/ - you might find one located near your retirement property in the UK.