Most people have no idea how their pensions are performing — or whether they’re even invested in the right place. You may be paying high fees, taking more risk than you’re comfortable with, or missing opportunities to grow your money.

Our pension review gives you a complete breakdown of what you currently hold and whether it’s still aligned with your retirement goals.

Here’s what’s included in the review:

1. Pension Breakdown

We identify each plan you have — workplace, personal, stakeholder, or private pensions — and confirm key details like provider, value, and fund names.

2. Performance Check

We assess how each fund has been performing relative to its peers, whether it fits your risk tolerance, and if there are signs of underperformance.

3. Charges Audit

Pension charges can vary significantly. We break down the total cost (including platform, fund, and adviser fees if applicable) and show you how that’s affecting your long-term outcome.

4. Risk and Suitability Assessment

Your investments should reflect your stage of life and attitude to risk. We make sure they do — and flag anything that looks out of sync.

5. Consolidation & Improvement Options

If appropriate, we’ll show you how your pensions could be improved — whether by switching funds, reducing charges, combining plans, or considering drawdown strategies.

This isn’t just an admin exercise. It's a chance to understand:

• Whether you're on track to retire comfortably

• If any plans are underperforming or overpriced

• Whether you're missing out on better opportunities elsewhere

• How to improve and simplify your pension setup going forward

You’ll come away with a simple summary showing what you hold, what’s working, what isn’t, and what we suggest — all clearly explained and jargon-free.