Free Financial Guidance

Wealth at Work – Your Free Financial Guidance Service

The Trustees understand that making financial decisions about your retirement can often seem complex, and in some cases, are irreversible. There are many factors and risks to consider and it is important that you can make an informed decision.

Before making a decision about how to access your BCSSS pension we therefore recommend you seek guidance from a specialist in this area.

In order to help our members through this process, we have teamed up with WEALTH at work (a specialist provider of financial guidance in the workplace) to provide a guidance service for all Scheme members who have not yet taken their pension. 

The Guidance Service
The guidance service is free to BCSSS members as it is paid for by the Scheme. 

Members are entitled to a free telephone guidance call that will help you to understand the retirement income options available to you from the Scheme and discuss the advantages and disadvantages of each option. The call is confidential and will last around 45 minutes.

Following your free telephone guidance call, you will be provided with a retirement income options booklet, summarising the various options available to you in relation to the Scheme.

Please note: This service will provide guidance only and will not include nor constitute financial advice.

How do I book my guidance call?
If you are within six months of taking your Scheme pension you can contact WEALTH at work directly by telephoning 0800 954 0756 and they will arrange a guidance call at a time to suit you. You will need to have received your retirement options from the Scheme before arranging the call. Alternatively, if you would like to register for a call back, please visit: and enter British Coal Superannuation Scheme, in the subject line. The WEALTH at work team will then contact you to arrange your guidance call.

By doing this, you will be providing WEALTH at work with your personal data. Information about how WEALTH at work processes data is available at