Pensions
Pension Consolidation Advice
A career of job changes often leaves a trail of small, forgotten pensions. Consolidating them can simplify your retirement — but only if you don't give up valuable guarantees in the process.
Why Choose Us
Combine carefully, not just conveniently
Bringing pensions together can cut costs, simplify management and clarify retirement income. But some legacy pensions hold guarantees worth keeping. Our process always investigates first, recommends second.
- Full audit of charges, funds, guarantees and beneficiary nominations
- Comparison of like-for-like fund options on a modern platform
- Honest assessment of when NOT to consolidate
- Single platform for clearer ongoing investment and retirement planning
- Annual review post-consolidation built into our service
The value of pensions & investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Pension consolidation advice is available. If you hold a Defined Benefit Pension Scheme or Defined Contribution pension with a guaranteed minimum pension or income, any advice you receive will be through a dedicated referral advice service and a specialist within our network.
Your Journey
A straightforward process
Pension Discovery
We list every pension you hold — including any forgotten ones — and request schedules.
Guarantee Check
We flag any benefits worth keeping and rule out transfers that would lose them.
Consolidation Decision
We recommend a clear plan: what to move, what to leave and why.
Transfer & Review
We handle the paperwork and add the consolidated plan to our annual review.
FAQs
Common questions
Should I always consolidate my pensions?+
No. Older pensions sometimes include valuable features (guaranteed annuity rates, protected tax-free cash, with-profits guarantees) that would be lost on transfer. We always check for these before recommending consolidation.
What are the benefits of consolidating?+
A single platform makes investments, charges and beneficiary nominations easier to manage, often reduces total cost, and gives a clear picture of retirement income. The right answer depends on what's giving up the benefits and what's gaining them.
Will I lose any guarantees?+
We trace every existing pension and request schedules from each provider before recommending anything. If a guarantee exists and is valuable, we'll usually recommend leaving that pot in place even if everything else moves.
How do I find old pensions?+
The government's Pension Tracing Service can help locate lost schemes from previous employers. We assist with the gathering and chase up providers on your behalf.
Is there a fee?+
Initial advice meetings are at our cost. Any consolidation work is charged on a clearly disclosed basis before you commit. We only recommend consolidation if the long-term benefit justifies the work.
Get clarity on every pension you hold
Start with a pension audit — you might be surprised how many pots there are and what they're really doing.