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FAQ's

Find answers to commonly asked questions

💼 What does Clear Pensions do?

We provide non-advisory support with pension paperwork. This includes help with:

  • Completing pension forms

  • Understanding pension documents

  • General administrative support related to pensions

  • And other general pension help and support. No questions is of limits!

We do not offer financial advice or product recommendations.

📅 How do I book an appointment?

You can book a session:

Online and telephone appointments are confirmed immediately. In-person appointments are confirmed via email after booking.

📄 What should I bring to my session?

Please prepare all relevant pension documents in advance to help you i. Your session. We may also contact you beforehand to understand your goals and prepare accordingly.

💬 Can you give me financial advice?

No. We are a non-advisory service. We help with the administrative side of pensions but do not provide financial advice or recommend products.

🔁 Can I reschedule or cancel my appointment?

Yes!

  • Online/Telephone appointments: Cancel or reschedule up to 24 hours in advance for a full refund.

  • In-person appointments: Require 48 hours’ notice for a refund.
    Cancellations made after these timeframes are non-refundable.

🛡️ Why aren’t you FCA registered?

Clear Pensions provides non-advisory support, which means we help clients with understanding pension, completing pension paperwork and other pensions support. We do not offer financial advice or recommend specific products.

Because we do not carry out regulated financial activities—such as giving personal financial advice or selling financial products—we are not required to be authorised or registered by the Financial Conduct Authority (FCA)

 

1. This allows us to focus purely on administrative support, helping you navigate pensions without crossing into advisory territory.

 

If you ever need regulated financial advice, we recommend speaking with an FCA-authorised financial adviser.

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✅ When Financial Advice Is Legally Required:

  • If you have a defined benefit (DB) pension or any pension with safeguarded benefits (such as a guaranteed annuity rate), and

  • The value of those benefits is over £30,000,

  • Then you must get regulated financial advice from an FCA-authorised adviser before you can:

    • Transfer the pension to a defined contribution (DC) scheme, or

    • Convert it into a different type of pension that allows flexible access 

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This rule is in place to protect you from giving up valuable guarantees without fully understanding the risks.

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✅ What Is Non-Regulated Pension Guidance?

Non-regulated guidance helps people:

  • Understand their pension options

  • Learn about how pensions work

  • Navigate paperwork and processes

  • Know what questions to ask a financial adviser

 

It does not:

  • Recommend specific financial products

  • Tell you what decision to make

  • Handle your money or investments

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