Step 1 – Reject unexpected offers If you are contacted out of the blue about a pension opportunity, treat it with caution. Cold calling about pensions is illegal, and unsolicited offers, including "free pension reviews", are often a sign of a scam.
Step 2 – Check who you're dealing with Always check that anyone offering advice or investment opportunities is authorised by the FCA:
Step 3 – Don't be rushed or pressured Legitimate advisers will give you time to make an informed decision. Be wary of time-limited offers or pressure to act quickly.
Step 4 – Get impartial information or advice Before making changes to your pension, consider seeking independent financial advice.
You can get free, impartial guidance from MoneyHelper:
