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Where to get pension advice

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Mrsmoneypenny
Mrsmoneypenny Posts: 311 Forumite
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

Comments

  • Alter_ego
    Alter_ego Posts: 3,842 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have you kept up UK National insurance payments? Have you lived in an EU country?
    I am not a cat (But my friend is)
  • Mrsmoneypenny
    Mrsmoneypenny Posts: 311 Forumite
    edited 7 June 2016 at 11:03AM
    We are outside the EU, and not paid NI
    Our pension is UK based
  • Alter_ego
    Alter_ego Posts: 3,842 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
    I am not a cat (But my friend is)
  • Mrsmoneypenny
    Mrsmoneypenny Posts: 311 Forumite
    edited 7 June 2016 at 11:17AM
    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
    Alter_ego Posts: 3,842 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I guess an IFA is your best bet then.
    I am not a cat (But my friend is)
  • molerat
    molerat Posts: 34,492 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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
    xylophone Posts: 45,599 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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.
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