Getting financial advice

Good news: the ARP will pay for eligible members to receive one round of impartial retirement advice from our appointed firm of financial advisers.

We want you to make the right retirement choices for your circumstances, so have appointed Origen Financial Services Limited (Origen), a long-standing, regulated, national firm of financial advisers.

How it works

If you’re eligible, the ARP will pay for you to receive one round of impartial financial advice from Origen.

This is a really valuable benefit – typically, impartial financial advice can cost £3,000 or more. 

With Origen, you’ll receive a personal recommendation from an experienced financial adviser who is an expert on retirement advice – at no cost to you and with no obligation.

Can you use your own choice of financial adviser?

Alternatively, if you’re eligible and you’d prefer to use your own choice of financial adviser, the ARP will make a one-off contribution of up to £1,000 (plus VAT) towards the cost of financial advice relating to your ARP benefits.

Important

You can either receive one round of paid-for advice from Origen or receive the one-off contribution towards the cost of your own financial adviser. You can’t receive both

Watch their summary video

Origen

We’ve summarised this offer ‘in person’ to bring it to life and to introduce you to Origen.

Watch our short video for more details.

Who are Origen?

For more detail about Origen, head to their website.

Paid-for advice from Origen

Your Origen adviser will review your circumstances, preferences and ARP benefits. 

An alternative option

Origen’s advisers have been fully trained on the ARP and the way it works, so we’d encourage you to use them for financial advice, but you don’t have to.

Financial advice and DC savings

If you’re eligible and you have DC savings in the ARP or DC savings which can be transferred back into the ARP at retirement (such as those in the Aon MasterTrust), the ARP will pay for you to receive one round of impartial financial advice from Origen.

Alternatively, if you’re eligible and you’d prefer to use your own choice of financial adviser, the ARP will make a one-off contribution of up to £1,000 (plus VAT) towards the cost of financial advice relating to all your ARP benefits (including any DC savings that are transferred back into the ARP).

Sourcing a financial adviser

If you don’t want to use Origen and you don’t have an appointed IFA, there are organisations that can help you find one. 

They can also give you a list of some of the things to check when deciding who to appoint. Some of these organisations (and how to contact them) are set out below. 

The Financial Conduct Authority

The Financial Conduct Authority (FCA) regulates financial services firms (including financial advisers) and financial markets in the UK. 

Its website has a section on choosing and using a financial adviser, including the questions you should ask.

Check your IFA is regulated and authorised

Before you appoint an Independant Financial Advisor (IFA), you should check the firm you’re dealing with is suitably authorised and registered.

They must be:

  • qualified at Level 4 or above of the Qualifications and Credit Framework (equivalent to the first year of a university degree); and
  • have an up-to-date Statement of Professional Standing.

How can I find out more?

The FCA publishes on online register of regulated IFAs which you can search.

Moneyhelper

MoneyHelper has information about consumer finances, including access to independent financial advice. 

It has a searchable directory of financial advisers who specialise in providing advice about retirement.

  • Freephone: 
    0800 011 3797

Important

The law doesn’t allow the Trustees, Aon or anyone connected with the ARP to give you financial advice.

The terms of the offer for paid-for impartial financial advice from Origen is subject to change and will be kept under review. The Trustees reserve the right to withdraw the offer at any time. We’ll let you know if this happens.

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