Retirement Professionals Ltd

30/09/2026

If you have a pension from the 1980s or 90s sitting in a drawer, it's worth ten minutes of your time.
Some older policies contain guarantees worth far more than anything available today, and they disappear the moment you transfer.
Here's how to check.

Some older pensions contain guaranteed annuity rates worth far more than today's market offers - and they're lost forever on transfer. How to check before you move anything.

23/09/2026

A question couples often don't think to ask until it's too late: what happens to your pension income when you die?
If you buy the wrong type of annuity, the answer can be "it stops", and once it's set up, it can't be changed.
Worth ten minutes if you're approaching retirement.

A single life annuity stops when you die. A joint life annuity keeps paying your partner. Here's how the options work and what each one costs in income.

15/09/2026

Pension scams don't look like scams any more. They look like professional firms with decent websites and polite, patient people on the phone.
We've written up seven warning signs worth knowing, and the one check that takes 30 seconds and stops most of them.
Please share this with anyone who might need it.

08/09/2026

Annuity or drawdown? It's the biggest financial decision most people make at retirement, and the one they get least help with.

We've written an honest look at the trade-offs, including why the answer for many people is actually "a bit of both".

Annuity or drawdown - or both? An honest look at the trade-offs between guaranteed income and flexibility, and the questions that decide which suits you.

18/08/2026

Planning to finish work in the next year? The 12 months
before retirement are when the most valuable financial decisions get made, and when the most expensive mistakes happen. Our five-point checklist covers what to sort before your last day:

Finishing work within a year? Five things to sort before your last day — from tracking down pensions to choosing how to take your income. Free first meeting.

14/08/2026

Today is National Financial Awareness Day. Most of the advice you'll see is about budgeting and cancelling subscriptions, useful, but it skips the questions that actually shape your retirement. We've written five worth asking.
If you can answer all of them confidently, you're ahead of most people we speak to.

It's National Financial Awareness Day. Most advice focuses on budgeting — but the questions that shape your retirement are rarely asked. Here are five worth answering.

11/08/2026

If you last looked at annuities a few years ago and wrote them off, it's worth another look. Rates today remain up to 60% higher than they were in 2021, meaning the same pension pot buys considerably more guaranteed income now. Here's what's changed:

Annuity rates remain up to 60% higher than in 2021. If your pension plans assumed the rates of a few years ago, your income could be significantly higher than you think.

04/08/2026

Changed jobs a few times? You've probably got pension pots scattered across old employers, and possibly some you've forgotten entirely.
Combining them can simplify everything… but done wrong, it can also cost you valuable guarantees. What to check first:

The average worker builds up multiple pension pots — but is combining them a good idea? The benefits, the traps to avoid, and when to take advice first.

28/07/2026

Did you know a health condition — even high blood pressure or
being an ex-smoker — could mean a HIGHER pension income? Enhanced annuities can pay up to 60% more than standard rates, yet many retirees never check if they qualify.
Here's how they work:

An enhanced annuity could pay you up to 60% more guaranteed income if you have a health condition or lifestyle factor. Find out how they work and if you could qualify.

22/07/2026

UK inflation today fell to 2.6% — its lowest level in 15 months. Good news for households, but what does it actually mean for your retirement income? We've broken down what's changed, what's still uncertain, and what's worth checking in your own plan.

UK inflation has fallen to 2.6%, a 15-month low. Here's what the fall — and the risks still ahead — mean for your retirement income plans.