Help and advice
Pensions and finance can often feel overwhelming and there’s lots to consider when working out what’s best for you and your circumstances. There are also lots of resources out there to help you, but it’s important to get the right help when you need it.
You can choose guidance or advice to help you and it's important to understand the difference between the two. As a general guide, guidance will suggest what you could do whereas advice will recommend what you should do. When it comes to your pension, only a Financial Conduct Authority (FCA) regulated adviser is authorised to give you advice.
As you approach retirement, the Trustee want to ensure members have access to the help they need and have approved LV= as a trusted advice partner, offering a whole-of-market review to help members explore their retirement options. LV= can provide personalised guidance or advice, though the Trustee has negotiated preferential terms for members, there will be some charges to use these services. To find out more about their services, please use the contact details below:
Phone: 0800 032 9099
Email: CapitaRetirementOptionsService@lv.com
There are also lots of other resources out there to help, which we’ve detailed below.
- MoneyHelper is a free, independent service provided by the government. It offers advice about pensions, benefits, savings and more.
- Pension Wise is a service from MoneyHelper, backed by government. They offer free, impartial guidance to over 50s.
- Money Saving Expert gives lots of advice on everything from reducing your bills to finding the best insurance deals.
- Age UK offers particular help for older people, including benefits you can claim to ease the pressure.
- Citizens Advice can help you if you’re facing problems such as debt.
The HIPS administration team is available to answer any questions you have about the Scheme and your benefits as a member. If you need to get in touch with them:
You can contact them online: Log in to portal.hartlinkonline.co.uk/hanson and complete the ‘Contact Us’ form.
You can call: 0345 600 0591
You can write:
Hanson Industrial Pension Scheme
PO Box 555
Darlington
DL1 9YT
Remember, they can’t offer financial advice. If you’re making important decisions about your pension savings or your retirement, you should get independent financial advice from a qualified financial adviser. You can visit the MoneyHelper website if you need help finding an adviser.