I was worried about using an advisor but I had the option to use the services or not and although you pay a fee I saved in the long run as my current pension wasn't performing as it should and I was paying over the odds for management fees to them. I will save on fees and hopefully make more in the long term on a higher performance pension. I was given Useful advice on my options as I can cash my pension in at 55 in May 2015 but I now realise it's worth keeping it in unless I do something like pay off a mortgage as I would lose 50% to the tax man with just a third tax free. Didnt know that before. All in all I'm glad I went for it and I would recommend getting your pension reviewed as mine sat for years with the same company and doing very little. Very happy that I swapped nothing lost as consultation is free and you just pay a percentage of your pension if u go ahead and swap. It comes out of your pension so you don't need to find any money. Worth trying to see what they find. You can always say no Thanks.