Advice area
Pension Consolidation Review
Trace old workplace schemes, compare charges and guarantees, and decide whether consolidation is genuinely worthwhile.
Who it is for
People with several deferred workplace pensions after job changes.
The outcome
A clear recommendation on which schemes to leave, transfer, or restructure — with reasons tied to charges, funds, and guarantees.
Scope of work
Scheme tracing support, charge and fund comparison, loss of guaranteed benefits analysis, transfer recommendation where appropriate.
Included
- Scheme information request support
- Side-by-side comparison of costs and investment options
- Written transfer suitability opinion where a transfer is considered
Not included
- Guaranteed Minimum Pension legal disputes
- Employer scheme design for businesses