Bring your old pensions together into one plan you can actually see,
track and plan around - with advice tailored to your retirement goals.
Most people in the UK collect several pensions over their working life. Every time you start a new job, your employer will usually sign you up to a new workplace pension.
Over a career, that often means four, five or more separate pots spread across different providers.
Pension consolidation simply means bringing some or all of those pots into one plan.
You still own the same savings - they just live in one place, under one login, with one statement. Done well, it gives you a clearer picture of what you have, makes your retirement easier to plan for, and can reduce the cost of running several pensions in parallel.
Here are some key reasons why people choose to consolidate their pensions.
See all your savings in one place, so you can easily check how much you have and how your investments are performing.
Dealing with one provider means less paperwork, one login to remember, and only one contact if you need to make changes.
Combining smaller pots could help you secure lower management fees, meaning more of your money goes towards your future.
We handle the research, comparison, and transfer process from start to finish, so you don't have to.
We track down your existing pensions, review each one against your goals, and give you a written recommendation on whether consolidation is worth it in your situation. If it is, we take care of the transfer end to end.
We charge an advice fee to consolidate your pensions. The exact cost depends on your situation and will be clearly explained.
Book a call to get startedA simple path from first call to a finished plan.
A short conversation to talk through your pensions and what you want retirement to look like. No obligation either way.
We gather the details of every pension you hold, including any older or forgotten pots, and review each one against your goals.
You receive a clear, written recommendation explaining what we suggest, why, and what it costs. Nothing happens without your sign-off.
If you go ahead, we handle the transfer with your existing providers and keep you updated. From there, we review your plan with you regularly.
Consolidating your pensions is not always the best option. Here are some situations where it might not be right.
These pay a guaranteed income for life, based on your salary and years of service. For most people, moving out of one is unlikely to be the right choice, and specialist advice is required.
Some older plans include features worth keeping, such as a guaranteed income rate or a larger-than-standard tax-free cash entitlement. These are usually lost if the pension is transferred.
A small number of plans charge a fee to move your money out. Any saving from consolidating has to be worth more than the cost of leaving.
