Help to support you with important decisions about how you take your benefits from the Scheme.

Origen Financial Services Limited (Origen) who are authorised and Regulated by the FCA No.192666, are available to provide you with financial advice that is independent from the Scheme on your options for providing an income in retirement from the Scheme, if you wish.

The advice service provided by Origen is to support you in understanding the options available to you from the Scheme. Origen will provide you with a recommendation based on your financial circumstances to help you consider and make decisions about your Scheme benefits.

The service will not provide any recommendations outside those associated with taking your benefits from the Scheme. However, Origen will ask you to provide to them some broader information about your health, personal finances and other pensions, savings and investments you may have to help them assess the options available to you.

Where and when can I access this service?

When you request a retirement pack or a transfer value from Railpen, information about how you can access the service will be contained within this, along with a brief description of the process and how you can find out more.

Do you need answers?

If you have questions about your pension, you might find the answers you’re looking for on our FAQs page.

Go to FAQs >>

The Uniper Trustees will pay some of the cost associated with this service. However, you can only access this paid for advice service once (you could repeat this process, but it would be at your own cost). Further details about this can be found in the information about the service that will be shared with you.

If I feel I need financial advice, do I have to use Origen?

There is no obligation to use Origen, and you may wish to take advice from an alternative FCA authorised adviser. You can find a list of Independent Financial Advisers in your local area at www.unbiased.co.uk. If you chose to take advice from an alternative adviser, then the Uniper Trustees will not pay any of the costs incurred and you will not benefit from the preferential rates that have been negotiated by the Trustees on your behalf.

Neither the Trustees, Railpen (the Scheme Administrator), or Uniper can provide members with financial advice. They can give you factual information but not advice.

Will Origen help me with looking after my finances?

If you wish to engage Origen for broader financial advice than just the service offered by the Trustees, or services relating to other pensions and savings you may have, then you will be able to, but you should ensure that you are comfortable that they are the right adviser for you. You will be responsible for both agreeing and paying the relevant fees to Origen. Neither the Trustees nor Railpen can comment on any other services Origen may offer.