Unsure what your pensions are doing?

Let’s take full control and make sure your money is working for you.

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The value of investments can fall as well as rise and you may not get back the amount originally invested.

Many people aren’t sure how their pensions are performing – are you one of them?

Do you know how much income your pensions will give you?

Most people don’t check until it’s too late. We’ll help you project your income and see if you're on track.

Are your pension funds performing well enough?

Your pension could be sitting in underperforming or unsuitable funds. We can compare charges and returns.

Could your pension be better invested elsewhere?

You might be able to switch to a better provider, lower costs, or improve performance – we’ll show you how.

Many people build up pensions over time through different jobs or personal plans, but lose track of where they are, how they’re invested, or what they’re worth.

We’ll help you bring clarity and control. That starts by gathering the latest values, checking where your pensions are held, and reviewing how each one is performing.

We’ll check:

Are the investment funds suitable for your risk level?
Are you paying higher charges than necessary?
Are there better options available with more flexibility, lower costs, or better growth?

From there, we’ll explain whether consolidating your pensions is right for you and whether your current plans still reflect your retirement goals. Together, we’ll put you back in control and build a smarter pension strategy.

Step-by-Step Journey

Step 1: Speak to an adviser
We’ll help you track down and assess all your pensions.

Step 2: Understand your options
See how your pensions are performing and whether improvements can be made.

Step 3: Take action
We’ll guide you through switching, consolidating, or simply adjusting your existing plans.

Step 4: Stay on track
We offer regular reviews to ensure your pensions remain suitable and effective.

How do I find out where all my pensions are?

We can help you track them down and request up-to-date values and summaries from each provider.

Will I pay tax for moving or switching pensions?

Not usually — transfers between registered pensions are tax-free. We’ll confirm this in every case before proceeding.

Can I combine multiple pensions into one?

Yes, it’s often possible. But we’ll review if it’s in your best interest before making a recommendation.

What if house prices keep rising faster than I can save

We can help you plan smart — and explore options like shared ownership or adjusting your timeline strategically

Step 1.

Speak to an adviser.
We’ll help you track down and assess all your pensions.

Step 2.

Understand your options.
See how your pensions are performing and whether improvements can be made.

Step 3.

Take action.
We’ll guide you through switching, consolidating, or simply adjusting your existing plans.

Step 4.

Stay on track.
We offer regular reviews to ensure your pensions remain suitable and effective.