Fidelity International’s UK direct business will in future refer clients looking at its new personal pension who have complex needs to independent financial advisors. The Fidelity personal pension is a version of the FundsNetwork self-invested personal pension provided by Standard Life. The new plan will accept new investments and transfers from other personal pensions and SIPPs into the range of mutual funds available via Fidelity FundsNetwork. Investors with more complex needs and those who are not comfortable with making their own decisions will be referred to local financial advisors. Those needs include transfers from employer-sponsored pension schemes, drawdown and non-mutual fund investments through the SIPP. Richard Wastcoat, UK managing director at Fidelity International, said: "There is a group of investors who want to look after their own retirement planning and investment portfolios. Our direct business caters for their needs. But we also recognise that many – if not most - investors do require advice at times, particularly in the complex field of pension transfers".