Advice area
Pension Consolidation Advice
Clear recommendations on whether to bring workplace and personal pensions together, with a comparison of charges, investment approach, and safeguarded benefits.
Many clients arrive with old workplace pensions, a personal pension, and little sense of how the pieces fit. This engagement compares charges, investment funds, and any safeguarded benefits before recommending whether consolidation is in your interest.
We request transfer packs from each provider, highlight exit penalties or guarantees that would be lost, and set out a clear recommendation with a fee estimate for any subsequent implementation. You remain free to keep pots separate if that is safer.