You are entitled to impartial financial advice paid for by the Plan if:

1. You are not yet receiving your pension from the Plan.
2. You have not previously received impartial financial advice which was paid for by the Plan.
   
   

   If you are not sure if you have previously received advice paid for by the Plan, please contact Informed Pensions using one of the following:

   
   

   Email: hwg@informedpensions.com
   Telephone: 0800 788 0887

3. The value of your Cash Equivalent Transfer Value (CETV) is greater than £10k.
   
   

   Please contact the Plan Administrator if you are not sure if your CETV is greater than £10k.

   
   

   The Trustee will only meet the cost of providing advice once and reserves the right to withdraw or amend this offer in the future.

Informed Pensions are the Trustee’s appointed Independent Financial Advisor (IFA).

You can find more information on Informed Pensions using the following link:

www.informedpensionshub.com/hwg

You can also watch their on-demand webinar:

www.informedpensionshub.com/hwg#webinar

Yes, but the Plan will not meet the cost of advice from a different adviser.

You will need to meet the cost of advice from a different adviser yourself.

Yes, but the Plan will only meet the cost of advice once. You will need to meet the cost of additional advice yourself.

If you are not sure if you have previously received advice paid for by the Plan, please contact Informed Pensions using the following contact details:

Email: hwg@informedpensions.com
Telephone: 0800 788 0887

If you have received a letter from the Plan Administrator setting your benefits (at age 55, 60 or 65):

Complete the enclosed Data Form and return it to First Actuarial (the Plan Administrator). First Actuarial will then forward your data to Informed Pensions, who will contact you to arrange an Initial Consultation.

If you have not received a letter from the Plan Administrator setting your benefits:

You can request advice using the following link:

HWG — Informed Pensions Hub

To provide support and advice before making important decisions relating to your benefits.

If you’re considering transferring your pension out of the Plan to another provider, you’ll need to think carefully before doing so as it’s an irreversible decision. It’s really important that you seek advice, and it is often a legal requirement before you proceed. Informed Pensions can support you, guiding you through your options to help ensure you make the right decisions for your circumstances.

More details on the process for receiving impartial financial advice can be found:
Explore — Informed Pensions Hub