Q&A
Questions UK visitors actually ask.
Real questions people type into UK financial-adviser websites, with plain-English answers. Nothing here is personalised advice — for that, you’d speak to an adviser. If you run an IFA practice and your own visitors are asking these, see how ChatIFA answers them on your site.
Pensions & drawdown
Questions about workplace pensions, SIPPs, drawdown, annuities, tax-free cash, and pension transfers.
- What are my options for taking income from my pension — and how do I choose?→
- How do I know if my old personal pensions are still working for me?→
- What is the State Pension and how much could I get?→
- What is a pensions dashboard and what will I be able to see on it?→
- Should I take my pension as drawdown or annuity?→
- What is the current State Pension age and when is it rising to 67?→
- I'm 23 — is it worth starting a pension now?→
- Should I put all my pensions together?→
- When will I reach State Pension age?→
- What is pension drawdown and how does it work?→
IHT & estate planning
Inheritance tax, trusts, wills, gifting, and intergenerational wealth.
- Do I need both types of Lasting Power of Attorney?→
- What happens to unspent pension savings under the 2027 inheritance tax rules?→
- What will happen to my pension under the 2027 inheritance tax changes?→
- Can I do probate myself without a solicitor or adviser?→
- At what age should I write a will?→
- What happens to my pension when I die — will my family pay inheritance tax on it?→
- Should I set up a Lasting Power of Attorney at the same time as writing my will?→
- I'm 35 – do I need a will?→
Working with an IFA
What an IFA does, how fees work, how to choose one, what to expect at a first meeting.
- What is the difference between targeted support and regulated financial advice?→
- How do I check whether a financial adviser or investment influencer is legitimate?→
- How much better off could I be by taking financial advice?→
- How do I know if a financial adviser is properly qualified and regulated?→
- How much does financial advice cost and how are advisers paid?→
- Is it worth paying for a financial adviser?→
- How much does financial advice cost in the UK?→
- What does an IFA do and how do I find a good one?→
DB transfers
Defined-benefit transfers, transfer values, and the rules around moving out of a final-salary scheme.
Visitors are asking these on your site too.
ChatIFA is an AI chat widget that lives on your IFA website. It answers visitor questions from your own content, and captures leads while you sleep.
Try it on your own site