Citizens Help Desk

Helping people retire with dignity

By Citizens, For Citizens


People’s pensions are being eaten away by dozens of hidden charges that can reduce the value of funds by more than a third.

[SOURCE: The Independent. Please click here to read more] 


Citizens Advice is warning that if consumers don’t look at a range of different pension products they may end up with a poor value product which doesn’t meet their needs. 

[SOURCE: Citizens Advice. Please click here to read more] 

The state pension fund will run out by the mid - 2030s: The Government’s Actuary’s Department has revealed the National Insurance Fund, which pays the state pension and other benefits, will run out of cash by the mid-2030s 

[SOURCE: Mirror. Please click here to read more] 

£117 billion of pension savings are languishing in ‘poor’ or ‘very poor’ investment funds. 

[SOURCE: The Times. Please click here to


If you don't ask or think, no one else will

Do you know what your pension charges are?


People’s pensions are being eaten away by dozens of hidden charges that can reduce the value of funds by more than a third, new research has claimed. SOURCE - The Independent. 

Do you know what your pension growth rate is?


Citizens Advice is warning that if consumers don’t look at a range of different pension products they may end up with a poor value product which doesn’t meet their needs. SOURCE - Citizens Advice  

Do you know who gets your pension after you?


Depending on the type of pension scheme, different tax rules apply to the rules when inheriting a pension.  

Maximise your pension income without any contributions

Would you like to find the best new options to maximise your pension income?


A recent study showed that the average income of people who took advice was around  53% higher than the average income for those who took no advice.

 SOURCE: Morningstar  

Would you like to find the most tax efficient ways to release money from your pension?


You can take 25% as a lump sum without paying tax.  

Following changes introduced in April 2015 you now have more choice and flexibility than ever before over how and when you can take money from your pension pot.   

Would you like ensure each and every penny from your pension is passed to your loved ones after you?


Since April 2015 it has been easier to safeguard your pension for your heirs. Make sure you’re keeping up with the changes.

Why review my pension?


1. Impartial second opinion

The report will tell you exactly how your pension is performing without any false expectations. 

2. Maximise your pension income

 Pension rules have changed and this is the best time to shop around! Our IFAs will go to the moon and back to find the best options for you! 

3. Lower pension charges and fees


Your pension plan(s) could have charges and fees that are noncompetitive by today's standards. We are sure you have heard Pensions Minister Steve Webb say: "The Government believes that enough is enough on charges." 

4. Pension Consolidation

 If you have several plans and find them difficult to manage, a pension transfer to a single provider could not only help you keep better track of your money but, also help you avoid unnecessary different management sets of fees you are paying to different providers.


5. Find Lost pensions

Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

6. Release money from your pension

Beware of scammers!! Please note: You cannot release money from your pension before 55 unless in certain circumstances.  

Why Citizens Help Desk?



This service is completely free to you, our customer. We do not charge you any fee for our service. 

If you feel your policies are not as competitive as they could be and could do better, we will forward your information to one of our Independent Financial Adviser (IFA) firms or specialist companies who can advise if you should be considering changing. 

We will charge the IFA a fee for our introduction. Our services is simply an outsourced administrative function. 



Our IFA partners will conduct a comprehensive comparison report and provide advice for you, to inform you if you should switch providers. They will identify all fees your pensions are subject to.  They will then look at the complete pension market for pensions with less fees and higher growth.  This part of the service is completely free and without obligation. They will contact you to assess your attitude to risk as well as consider your needs and circumstances.  Our customers really benefit from this and take comfort from this personal unbiased approach. 



Citizens Help Desk connects you with regulated advisers who offer you the protection of their indemnity insurers, the Financial Ombudsman and the Financial Services Compensation Scheme (FSCS).  

The way you take your pension will affect how you can leave it to your beneficiary when you die.

Recent News

PENSION savers are being warned how making flexible withdrawals from their retirement pot could unintentionally create inheritance tax problems later down the line.

Pension savers in their 50s and early 60s should check the value of their pensions, experts are warning, as widespread “erroneous records” mean there is a high chance of miscalculation.

Pension funds suffered their biggest losses last year since the financial crisis in 2008, data from Moneyfacts has shown.


Our Service

Pension Review Facilitated by Citizens Help Desk

Pension reviews have a terrible reputation right now. And you’re right to be sceptical. Many people have been mis-sold pensions via this tactic. But, ironically, this has increased the need for pension review services.  

More people than ever before are in need of legitimate, impartial pension guidance. So how can you ensure you’re getting the best advice? 

Citizens Help Desk is independent and unbiased.  When you sign a letter of authority to start your pension review, please note down the FCA reference number on the letter of authority and you can check out the regulated adviser’s or firm’s accountability on the FCA's register (

Your Options

There are some fantastic low cost pension options available today and a huge choice of investments to accommodate all needs. 

There just isn't a down side to reviewing what you have and seeing if you can improve. The IFAs will also look at if you have been badly advised or overcharged and if there is compensation you should seek. 

Find out more

Who Took My Pension?


Pension Plans & Hidden Charges - BBC Panorama

Poor performing pensions with high charges are called "dog funds" and can take  a very high percentage of the investors pension pot over its lifetime 

Why Now?

Reviewing your pension might not be the highest priority to you right now, but if you were retiring in a couple of years’ time, you would be acutely focused on what your retirement income will be. The trouble is, it will be too late to make changes then; you need to do it now to enjoy as many years of low charges and good performance as you can.  

The average earner across England & Wales will need a typical retirement fund of £260,000.

 The average person will have to save £260,000 over their lifetime to  to avoid falling living standards in retirement (around £750 per month), climbing to £445,000 if they are not a home owner, according to a report by a former government pensions minister.  

This has grown by around £110,000 - 75 per cent in real terms - since 2002-03 when the average amount was £150,000. 

Sources:  The Guardian  (Read here), BBC (Read here), The Independent (Read here) & Express (Read here)

Find out more

Importance of financial planning

We see too many cases where customers have left it too late to make necessary changes to their investments in pensions and savings. The last thing you want, is to get to retirement and discover that your pension charges are too high and you were investing in poor performing funds.   Our popular IFA’s use award winning fund managers and work very hard to use the lowest possible charging structures. This has a double benefit on performance, and the growth of your money.

Find out more

Number of over-70s still in work more than doubles in a decade


The number of those aged over 70 who are in full- or part-time employment has been steadily rising year on year for the past decade.

Many people who are now working in their late sixties and seventies are doing so out of necessity to pay the rent, heat their homes and afford their weekly shop,”  Catherine Seymour, head of policy at Independent Age.

The number of women aged 70 and above who are still working has also more than doubled in a decade.  For men it's worse, over three times more men aged 70 and above are working full-time compared with a decade ago.

Source:  Office for National Statistics data Read more here

Find out more

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