Guidance & Advice

Something you might not realise is that ‘financial advice’ and ‘financial guidance’ are not the same thing, but rather they are distinct services. Here is a list of the key differences between them:


Financial advice

Financial guidance

Recommendation advising you what you should do



Based on your individual circumstances and needs









Protected by the Financial Services Compensation Scheme



Fee to pay



Helping you plan your future

One of the big differences with a financial adviser is that they’ll give you a personalised recommendation on how to achieve your financial goals. A financial adviser is also regulated, which means they’re authorised by the Financial Conduct Authority to provide advice, giving you more protection should anything go wrong.

Financial guidance can be useful in helping to improve your understanding, and it’s free. However, bear in mind that guidance services will provide you with generic information. Unlike financial advice, it is not based on your personal circumstances and will not give you a personalised recommendation on the best course of action for you.

We’ve listed some useful sources of financial guidance below:

  • Pension Wise

    Pension Wise is a free guidance service for people age 50 or over who are looking to make sense of their retirement options. To book a Pension Wise appointment, visit the Money Helper website or call 0800 138 3944.

  • The Government website

    The GOV.UK website contains useful information about tax rules and can help you find out if you qualify for pensions credit and a State Pension.

  • Your online account

    Don’t forget that you can find lots of information in your online account to help you with your pension savings and retirement plans.

Older Man Relaxing On Sofa

Getting financial advice

When it comes to making big decisions or understanding your options, it can help to talk about your pension with a financial adviser.

A financial adviser can help you feel more in control of your retirement savings plans, make decisions about your pension savings with confidence and, when the day comes, help you make the right choices when it comes to covering the cost of your lifestyle in retirement.

Introducing financial advice from Origen


As a TPT member, you can get financial advice through our carefully selected partner, Origen Financial Services. Origen offers two basic services to members of the TPT Master Trust to help you at different stages of your retirement planning journey:

  • Financial advice to help you review and maintain your plans for savings into your TPT workplace pension towards retirement.
  • Financial advice to help you with the important decisions you need to make when considering providing a retirement income from your TPT pension savings.


  • How it works

    These services are designed to help ensure that your pension savings are working for you.

    Each service includes an initial meeting with an Origen adviser, a pension report detailing recommendations in respect of your TPT retirement savings, and a follow-up call to discuss the recommendation.

    Each service has a fixed price of £600 inclusive of VAT and includes advice on your TPT defined contribution pension. If you would like advice on a defined benefit pension this is not covered in this cost.

    If you require advice on other pensions, savings or investments, Origen can provide a full financial advice service and will be happy to discuss this with you. Please note that there would be an additional cost for this.

  • About Origen

    Origen is one of the UK’s leading national financial advisers, with a history of providing advice for over 130 years. They’ve received numerous awards in recognition of their service, including, Retirement Planning Advisory Firm of the Year for the last 7 years at the NCQ Global Awards.

    Origen’s financial advice is entirely independent from TPT, and will be based on your own personal circumstances, aspirations and financial objectives.

    You can of course find your own financial adviser if you prefer, and the MoneyHelper website contains a useful directory to help you find one.

    If you would like to arrange a financial advice appointment with Origen, please contact them directly on:


    Helpline number: 0800 819 9121

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