Which? is working with Destination Retirement because retirement is about life choices as well as money. We can help you generate an income for retirement, while tailored insights from Which? can help you spend it wisely.
Which? is an Introducer Appointed Representative of Destination Retirement (a trading name of HUB Financial Solutions Ltd), part of Just Group. If you decide to use this service, we'll pay Which? commission to help fund it's not-for-profit mission.
Destination Retirement helps you bring your pensions and savings together in one place, so you can stay organised and get a clear picture of your finances.
Once everything’s in one place, you can explore your options, plan ahead, and when the time comes, move into retirement with confidence, whether that’s taking an income, using drawdown, or considering annuity options.
Getting started can feel daunting. Research from Which? found that a quarter of people would rather deep clean their bathroom than sit down and think about their pension. That’s why we start with a conversation, taking the time to understand your current situation and what you want to achieve.
To get started, talk to a Retirement Specialist today.
Call us on 01737 233 062 or book a call at a time that suits you.
The value of investments can go down as well as up. Your capital is at risk.
Bring your ISAs, pensions and investments together in one convenient place and help you plan saving for retirement– all without juggling multiple providers.
Access the online Retirement Planner tool, helping you to create a plan that fits your goals and lifestyle.
Generate a flexible income in retirement without advice with our Pension Drawdown service or we can refer you to our Annuity service, if you’d like more information about annuities and the way you can tailor them to meet your needs.
Alternatively, we can recommend how to use your pension and savings efficiently with our regulated Retirement Income Advice Service.
Destination Retirement is a trading name of HUB Financial Solutions Ltd, part of Just Group.
As a group we're:
We've been helping people on their retirement journeys for 30 years.
We're a financial services company with a track record of award-winning service.
We've helped over 700,000 people with their retirement needs. Our customers trust us with almost £30 billion of their pension savings.
To get started, book a no obligation introductory call with one of our Retirement Specialists.
They'll ask about where you are on your retirement journey, identify how we could help you and discuss your next steps.
The call will last between 30 and 45 minutes depending on your situation.
Watch how Destination Retirement gave Nicola the confidence that she was on track to retire. Thinking about moving from a regular salary to a retirement income felt daunting. Destination Retirement provided clarity and reassurance, giving Nicola peace of mind about the future.
Get started with a conversation. Tell us what retirement means to you and where you are right now. Our specialists will help you understand your options and what your next steps could look like.
Ready to move forward? We’ll collect a few details and handle the admin to bring your ISAs, retirement savings and investments into one place, making it easier to see the full picture.
Use our Retirement Planner to create a plan that fits your goals and lifestyle. You can review and update it at any time, with expert support whenever you need help making big decisions.
When it’s time for you to start taking an income, be it through pension drawdown, a lifetime annuity or accessing your tax-free cash, we'll help you understand your options and help keep your retirement on track. Always with UK based support available whenever you need it.
We understand this may be something you want to think about.
Got a question? Leave your name and email address here and one of our Retirement Specialists will respond shortly.
The cost depends on your circumstances and the service you choose.
For example with Pension Drawdown, fees will be calculated when you have spoken to us.
There's a total annual fee of up to 0.76% of the value of the savings in your account. This is made up of:
So, for example, based on a savings account value of £100,000, your fees would be £760 annually.
Other ad hoc transaction and servicing costs may apply.
If you would like to take financial advice before making any decisions, we charge a one-off fee of 0.75% of the value of your assets up to a maximum of £500.
There's a total annual fee of up to 1.04% of the value of your invested assets. This is made up of:
So, for example, based on a pension value of £100,000 (not including an annuity), your fees would be £1,040 annually.
Other ad hoc transaction and servicing costs may apply.
If your plan includes a lifetime annuity, then there would also be a one-off annuity arrangement fee of 2% of the purchase price.
How to keep your retirement planning on track, whatever stage you're at.
How annuities work and how much income they could give you in retirement.
Find out how to put yourself in the strongest financial position for when you stop working.
Work out if you're on track for the lifestyle you want when you stop working.
Destination Retirement is a trading name of HUB Financial Solutions Limited. Registered Office: Enterprise House, Bancroft Road, Reigate, Surrey RH2 7RP. Registered in England and Wales (company number 05125701). HUB Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority. Its FCA firm reference number is 455713. Part of Just Group plc.
