Pension Consolidation Advice
Clear recommendations on whether to bring workplace and personal pensions together, with a comparison of charges, investment approach, and safeguarded benefits.
Anchor House Financial Planning
Advice for the years that change how money works
We help households across Wales and the wider UK make clear decisions on pensions, retirement income, and family cover — with written plans, fixed fee quotes, and meetings that respect your time.
Based in South Zulauf, Wales — advising clients in person and by video nationwide.
Flagship engagement
Comprehensive Financial Planning Review
A four-to-six-week engagement that gathers your pensions, cash flow, investments, and protection into one written plan. You leave with sequenced actions for the next twelve months — not a binder of product brochures.
Fees start from £1,450. Suitable for households preparing for retirement, inheritance decisions, or a material change in income.
Related advice
Other ways we work with clients
Each engagement stands alone. Choose a focused pension or protection piece of work when a full planning review is more than you need right now.
Retirement Income Mapping
Model how State Pension, defined benefit income, and drawdown interact, then set a sustainable withdrawal sequence for the early years of retirement.
Protection & Family Cover Review
Check life cover, critical illness, and income protection against mortgage and family needs, then recommend adjustments without product pressure.
From recent clients
Plans that survive ordinary life
“They waited for our final pension statement from an old Welsh local-government scheme before recommending anything. The plan took longer than a friend warned me it would, but the waiting meant we did not give up a guarantee by accident.”
From the journal
Notes on pensions, cover, and retirement income
11 May 2026
What to bring to a first financial advice meeting
A practical checklist of statements, policy schedules, and household figures that make a discovery meeting useful rather than vague.
2 April 2026
When pension consolidation helps — and when it does not
Consolidation can cut charges and clutter, but safeguarded benefits and exit penalties sometimes make leaving pots separate the wiser choice.