Most directors have pensions scattered across old employers or personal plans, with charges, performance and any special benefits nobody's looked at in years. We find them, review them properly, and set out in writing exactly what we'd recommend and why.
Tracing employer and personal pensions from previous jobs, even where you've lost track of the provider or the paperwork.
Comparing charging structure, performance, and any special benefits your existing pension has, such as enhanced tax-free cash or guaranteed annuity rates.
Weighing that against modern pensions with clear, low charges, far wider fund choice, and flexible ways of taking an income such as flexible drawdown.
Setting out exactly why moving your pension would, or wouldn't, be the right thing to do, in plain English rather than jargon.
Every recommendation is independently checked by our head office before it reaches you, because once certain pensions are moved, they can't be moved back.
The example below is illustrative only, not a real client case, showing how a review like this can play out.
A client knew they'd paid into workplace pensions at two previous jobs but had lost the paperwork and couldn't remember either provider. We traced both plans, obtained up-to-date valuations, and confirmed exactly what each one was invested in and what it was costing.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
A co-director had three pensions from previous employers, each with different charges and none holding any special benefits worth keeping. Reviewing and consolidating them onto a modern platform brought the annual charge down significantly and widened the fund choice considerably.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
Not every old pension should be moved. On review, one client's older plan included a guaranteed annuity rate considerably better than anything available on the open market today. Despite higher charges, the guarantee itself was worth more than the saving a transfer would have offered, so we recommended leaving it exactly where it was.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
Once a review is complete, you receive a full written report comparing your existing pensions against the alternative, setting out exactly why a move is, or isn't, being recommended. Before it goes to you, every recommendation is independently checked by our head office, because a transfer out of certain pensions can't be undone once it's done.
Illustrative example only, based on a typical scenario. Figures are not a quote and individual circumstances vary.
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