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As with all unknown, random calls, I chose not to answer. If I want some pension advice, I will go and get it, thank you very much. I, and many others here, have opted into a Telephone Preference Service. BY LAW, this means that anyone who has name and address data MUST abide by those and not cold-call. Regardless of the service they may or may not be providing, they are operating illegally. And as for "saving you money" and "hidden costs" - how do you think they get paid ? When they organise some time-share scheme for you in some tropical island under the guise of "property portfolios", do you not think that they take a slice of YOUR cash ?