Advice engagement

Pension Review & Consolidation

Statement analysis across workplace and personal pensions, charge comparison, and transfer advice only where it improves your position.

From £950 fixed fee

Request a discovery call
Stack of financial documents and a pen beside reading glasses

Who this helps

People with two or more workplace or personal pensions who cannot tell which scheme is costing more, whether safeguarded benefits exist, or how contributions should be directed going forward.

What we examine

We request discharge packs, compare annual management charges and transaction costs where disclosed, and check for guarantees, exit penalties, and employer matching that could be lost on transfer. Consolidation is recommended only when the net position improves after costs and risk.

Timeline

Most pension reviews complete in three to five weeks once schemes respond. Some older providers take longer; we flag delays in writing rather than guessing transfer values.

Next step

Request a discovery call and list the schemes you hold. We confirm whether a full transfer analysis is warranted before issuing a fixed fee quote.

Included
  • Collection and comparison of existing pension charges and funds
  • Transfer analysis where consolidation is under consideration
  • Written recommendation on keep, transfer, or partial transfer
Not included
  • Guaranteed annuity purchase arrangement without separate quote
  • Unregulated overseas pension schemes