Help and advice

Fraudsters may try to take advantage of the widespread anxiety caused by the recent coronavirus outbreak to target pension savers with scams – please be extra vigilant!

For information on what warning signs to look out for, how to protect your pension, and much more, check out the safety and scams page.

Your options when you retire

It's important you understand your options and choose what's best for your needs.

You can find more information about your options in the Planning for Retirement section of the website and in the video library

If you're unsure what's right for you, an Independent Financial Adviser (IFA) can look at your personal circumstances and help you decide.

Liverpool Victoria (LV) has been chosen as the official partner to give BTPFSF members access to financial advice. LV is authorised and regulated by the Financial Conduct Authority and can be contacted on 0800 023 4187. 

You are still free to choose your own Independent Financial Adviser (IFA). You can find an IFA in your area at Just be sure to go with someone who has knowledge and experience in pensions, rather than a generic financial adviser.

Here are some questions you can ask a financial adviser to help you choose the best one for your needs.  

Where to find help:

Budgeting and planning

Retirement can mean a big change to your lifestyle and finances so you need to plan ahead and know what to expect. 

You can get advice on how to manage your money and avoid problems, the choices available to you, and how a change in your circumstances, such as births, death or divorce, could affect your pension. 
​Where to find help:


Tax issues

If you're unsure how your pension benefits will be taxed once you receive them, you can find clear, jargon-free information on the website.
​Where to find help:



Your State Pension

You can receive State Pension once you reach State Pension age, but the age varies depending on when you were born. 
You'll find a calculator to help you work out your State Pension age and how much State Pension you might get on the website.
​Where to find help:


General pension information

MoneyHelper brings together the support and services of three government-backed financial guidance providers: Money Advice Service, The Pensions Advisory Service and Pension Wise. 

It offers free support on a wide range of financial matters, online and over the phone. This covers a variety of pension topics, including:

  • Building your retirement pot
  • Pension problems
  • Pension basics
  • Pensions and retirement

For more information visit 

If you have specific questions about your BTP pension you may find the answers by logging in to your myFund account. For anything urgent you can also contact us directly.