Neither the Trustee, nor Fidelity can give you specific advice about your pension savings.
If you would like advice about any aspect of your pension savings, please consider taking independent financial advice. The following organisations can provide more information.
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. It has a list of unauthorised firms you should avoid and a “Scamsmart” section with a list of known scams.
You can also view this FCA video on what to expect from financial advice.
MoneyHelper has a guide to finding a financial adviser and what to expect at an appointment.
If you want advice about transferring your benefits out, you should ask your adviser whether they are a pension transfer specialist. You can look for a financial adviser with the “Pension Transfer Gold Standard”, a voluntary code of good practice for pension transfer advice. The Personal Finance Society has more information about the Pension Transfer Gold Standard on their website: www.thepfs.org.
Before meeting your adviser, you should collect together as much information as possible about your financial situation. You should also ask your adviser about their charges and how you will pay them.