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.
We're working with Which? 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.
Introducing Destination Retirement
Expert support should be affordable for everyone and give peace of mind about the future.
Wherever you are on your retirement journey, we’re here to help you.
That’s why we take a flexible approach to give you whatever you need for your next step – access to our Retirement Planner, a range of saving and investment products, expert help and personalised recommendations (if you need them).
We keep fees as low as possible – we don’t charge upfront fees, and we don’t have exit fees. You’re never tied in, and you
only ever pay for the services you want. We always tell you in advance what you’ll pay.
The value of investments can go down as well as up. Your capital is at risk.
- Organise your retirement savings in one place.
- Invest for the future with an ISA, pension or investment account with ready made portfolios.
- Help stay on track with the online Retirement Planner.
- Take tax-free cash.
- Make one-off or regular monthly withdrawals.
- Be tax-efficient with the help of our planning tools and expert support.
- Get support in making a plan for your retirement.
- Receive advice on how to use your savings and income tax efficiently.
- Help to make sure you don't run out of money.
Get started - book a call
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.
Not quite ready to talk to us yet?
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.
See the Retirement Planner in action
As a customer you can use the Retirement Planner. It helps you make informed decisions about when and how to retire, and picture the lifestyle you'll be able to achieve.
How it works
Tell us what retirement means to you and where you are on your journey. Find out how we could help you.
If you want to go ahead, we'll ask you a few more detailed questions. Then we'll take care of the admin to get you set up.
track
Change your plan at any time. Book your consultation to review your plan, or if you need support with any big decisions.
support
We're here for you whenever you need us, and you'll also receive tailored information provided by Which?.
Watch Nicola's story
How the Retirement Planner reassured Nicola she was on track to retire.
How much does it cost?
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.
Retirement Saving
There's a total annual fee of up to 0.75% of the value of the savings in your account. This is made up of:
- Investment service fee of 0.52% for the product set up and ongoing servicing.
- Platform service fee of 0.13% for running the online services that hold your investments.
- Fund charge of up to 0.10% for the operation of each of the funds within your investment portfolio.
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.
So, for example, based on a savings account value of £100,000, your fees would be £750 annually.
Retirement Income Advice
There's a total annual fee of up to 1.04% of the value of your invested assets. This is made up of:
- Ongoing advice fee of 0.60% for providing ongoing reviews, advice and co-ordination of your plan's payment schedule.
- Platform and administration charge of 0.30% (this falls to 0.20% for any amount above £250,000 per person), for the administration of and access to products and investments
- Fund charge of 0.14% for managing your investments
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.
So, for example, based on a pension value of £100,000 (not including an annuity), your fees would be £1,040 annually.
Who are we?
Destination Retirement is a trading name of HUB Financial Solutions Ltd, part of Just Group.
We're focused on retirement...
...and just retirement. It's been that way since Just's story began in 1995.
We're here for everyone...
...we help people achieve a better later life'
Just Group is a FTSE 250 company...
...and we're trusted to manage over £27bn of our customers' retirement savings.
HUB Financial Solutions are rated excellent on Trustpilot
Boring Money 2024 Innovation Award for our Retirement Planner
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.