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Welcome to
Destination Retirement

Tell us what matters most for your retirement, we'll manage your finances and take care of all the hard work.

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Your capital is at risk and investments can go down as well as up.

How can Destination Retirement help

Retirement planning
  • Look at the whole picture - consider all your pensions and savings, along with your State Pension and any other income you might have.
  • Plan with a partner - if you have a partner, we can help you plan a retirement for both of you.
  • Want cash from your pension before you retire? Discover how much tax you might pay and sense-check the longer-term impact.
  • Support when you need it – you can plan at your own pace… but our friendly experts are always on hand to help.
  • It's free to register - you can create and compare as many retirement plans as you like.




Retirement Income Advice
  • Turn everything into a simple monthly income - receive the money you need each month in your bank account, to meet your planned expenses.
  • Save the tax headaches - we run hugely complex calculations to find the best way to use your retirement savings, so you don't pay more tax than you have to.
  • Have more to enjoy in retirement - we ensure your retirement savings are used in a tax-efficient way. This could mean you have tens of thousands of pounds more to spend over the course of your retirement.
  • Save time - we bring all your retirement savings together, handle the paperwork so you don’t have to worry about the admin.
    • Ongoing fees apply if you decide to put your plan into action. More information in the fees section below.
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Why use Retirement Income Advice

Why do I need advice?

Managing retirement finances is complex. Getting professional advice increases the likelihood of a better result.

Our advice gives you access to a personalised tax-efficient and managed investment plan to help you get the most from your retirement savings.

Can’t I just do it myself?

If you need your boiler serviced, you call a specialist. Financial planning for retirement is no different – it pays to use a specialist. Few of us will have the experience, knowledge and skills to get the most from our retirement finances for the rest of our lives.


For over 20 years the Destination Retirement team have been developing market-leading financial technology and services to meet the needs of people in retirement.


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What does our advice and great value service cost?

What do I get for free?
  • Explore the costs of life in retirement
  • Produce a personalised retirement plan with our online planning service
  • Professional advice to implement your retirement plan
  • You can create multiple plans to compare ways of retiring, like switching to part-time work or a career change
  • If you have a partner, you can make a joint plan for both of you, taking account your combined income tax and Personal Allowances for maximum efficiency
  • Access our Retirement Specialists by webchat and phone
A maximum of 1.04% annual ongoing service fee*
  • We’ll meet the highest standards of regulated financial advice
  • Review your plan annually, or sooner if you choose and make any changes you need
  • Advice, platform and fund charges are included
  • We bring your retirement savings together, handle the paperwork and make sure the money you need arrives in your bank account each month as planned
  • We look ahead to help make sure you don’t run out of money - or spend too little when you don’t have to
  • You’ll stay in control throughout, with our Retirement Specialists on hand to support you every step of the way
*The annual ongoing service fee is based on the value of your assets. The fee covers ongoing advice and investment management costs
See how your fees are calculated    
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About Destination Retirement

Who provides Destination Retirement?

Destination Retirement is a trading name of HUB Financial Solutions and is part of Just Group plc a FTSE-250 listed financial services company, that has been trusted by over 650,000 customers to look after more than £24bn of their retirement savings.

Total focus

We champion our customers and help you with your financial security and aspirations in retirement. We help people achieve a better later life. That's why we exist, that's our purpose.

Find out more about us    

HUB Financial Solutions is

Authorised
and regulated by the Financial Conduct Authority

Protected
by the Financial Services Compensation Scheme. Individual limits apply

Part of Just Group plc
a FTSE-250 company

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Your capital is at risk and investments can go down as well as up.