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Introducing **Destination Retirement**

If you're thinking about transitioning towards retirement or just want to check when you can start your life after work, then Destination Retirement is for you.

Destination Retirement provides a completely new approach to help you plan for your life after work.

It's designed to help you get excited about your future, and to help you feel confident about making some of the most important decisions of your life.

It starts by helping you explore the most important things to think about. Next, it provides a free personal retirement plan showing what your life after work might look like and how far your money may go. You can plan on your own, or with a spouse or partner.

It'll then provide expert financial advice on how to make your plan a reality, ensuring you don't pay a penny more tax than you need to. It's entirely your decision whether to put your plan into action, but if you do decide to go ahead, we'll take care of all of the hard work needed to make your plan a reality.

Destination Retirement is available to people aged between 55-73 and who have any pensions, savings or investments of at least £10,000.

As with any investment, your capital is at risk. This means that your investments may go down as well as up and you may get back less than you invest.

Get your free initial advice with Destination Retirement

With Destination Retirement there is no initial advice fee to pay.

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How does it work?

The service is broken down into five stages. You can dip in and out, and move forward at your own pace.

  • Think - We’ll start by taking you through the most important things to think about when planning for your life after work. This will help you on your journey through the service.
  • Plan - Next, we'll produce a free personal retirement plan. This will paint a picture of what your life after work could look like, and will show you how far your money may go. You can adjust the information you put in to see what impact it will have on your plan. You can do this as often as you like - free of charge.
  • Find - Once you've got a plan you're happy with, we can provide expert financial advice on how to put it into action. We'll recommend the most suitable financial products, making sure you don't pay too much tax, lose valuable benefits, or pay unnecessary fees and charges.
  • Buy - If you're happy with our recommendation, we'll take care of all the hard work needed to set up your plan. We'll complete all the paperwork, and deal with the product providers on your behalf. If your plan includes an annuity, there will be an initial set up fee to pay. There are no ongoing fees for an annuity.
  • Review - Destination Retirement will monitor your plan, making sure it continues to meet your needs going forward. There are simple ongoing fees which cover ongoing advice, reviews and managing your investment. All the fees will be clearly explained before you make your decision to go ahead.
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Take your time

We've broken the journey into five simple stages, so you can move forward one step at a time and at your own pace. Everything's written in plain English, and we avoid jargon wherever we can.

Help when you need it

We've got a team of friendly retirement specialists on hand to provide assistance by phone, screen-share or webchat. Whatever your query, we're here to help.

Putting your plan into action

If you're happy with our recommendation, our team of experts will do all the hard work to set up your plan. We'll take care of all the paperwork and deal with the product providers on your behalf. Full details of the fees and charges will be clearly disclosed should you choose to proceed.

Support through your life after work

After your plan's been set up. Destination Retirement will continually monitor your plan, making sure it's performing as expected.

Trusted
Over 140,000 people have trusted HUB Financial Solutions to help with their retirement
Regulated
HUB Financial Solutions are authorised and regulated by the Financial Conduct Authority
Protected
Protected by the Financial Services Compensation Scheme (individual limits apply)
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Your guide to making it happen

Discover how Destination Retirement can help you plan for the future you deserve

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FAQs



What if I get stuck or have a question?

If you need help at any point, our team of friendly specialists 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.

What fees will I pay?

With Destination Retirement there is no initial advice fee to pay.

The information, guidance and initial advice 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 are simple ongoing fees which cover ongoing advice, reviews and managing your investments. And if your plan includes an annuity, there will be a one off set up fee to pay. There are no ongoing fees for an annuity.

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.

What do we mean by 'your capital is at risk'?

Our services relate to certain investments and when making investments, it’s important to understand that your money in them may fluctuate.

The value of your investments depends on the market fluctuations outside of our control. This means that your investments may go down as well as up, so you may get back less than the amount you invested.

How do you minimise the amount of tax I'll pay?

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.

What if I want to change my plan after it's been set up?

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.

What protection do I have?

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).

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