The service is broken down into five stages. You can dip in and out, and move forward at your own pace.
If you need help at any point, our team of friendly experts will be on hand to help provide assistance. You can contact them by phone, email or webchat. Whatever the query, they'll be happy to help.
The information and guidance we provide, including your personal retirement plan, are totally free of charge. You'll be under no obligation to proceed.
If you do decide to put your plan into action, there will be fees to pay for the initial advice and set-up of your plan, and for ongoing support and advice. Please rest assured that the initial cost will be lower than the average for traditional financial advice.
The exact fees you pay will depend on the make-up of your plan. We'll make these fees crystal clear when you get to the 'Buy' stage, then you can decide whether you want to proceed or not.
Destination Retirement is powered by a sophisticated algorithm which performs millions of calculations to make the best possible use of your tax-free cash and personal allowances.
If you've set up your plan with your spouse or partner, it'll look at each of your personal tax allowances, finding the best order to use each of your pensions, savings and investments.
And if there are any changes to the tax system, Destination Retirement will automatically adapt to take these into account.
We understand that your circumstances will change in the future, so it's important to have a plan that's flexible enough to adapt.
Destination Retirement makes it easy to make changes to your spending plans at any time. You can do this as much as you like - without committing to anything - until you've got a new plan you're happy with. When you're ready to put the changes into action, we can provide updated advice setting out the most suitable mix of financial products to deliver your new retirement plan.
The financial advice you receive at the Find stage is regulated by the Financial Conduct Authority. You are also protected by the Financial Services Compensation Scheme (individual limits apply).