Review what you already have
Consider the pension’s features, costs, restrictions and any valuable benefits before recommending a change.
Pension switch advice · UK telephone service
Another pension to review?
Know whether moving is right for you.
Professional advice on whether a pension switch or consolidation is suitable for you. We review the benefits, costs and risks, explain our recommendation and agree the fee upfront.
Discuss my pension review Or call 01332 418005An initial consultation, with no charge and no obligation to proceed. Personal advice follows an agreed scope and fee.
What you are paying for
A clear recommendation.
And the work behind it.
Understand the recommendation
See why retaining or changing an arrangement may suit your objectives, with the relevant advantages, risks and costs explained.
Implement an agreed switch
If a switch is suitable and you proceed, we carry out the implementation included in your quote. Advice and implementation payment stages are set out in advance.
The scope matters
Which pension does the fee cover?
For a standalone assignment to review an additional pension for a possible switch, the standard calculation uses the new plan covered by that assignment. It does not automatically include pensions already with us.
If our advice is to keep your pension where it is, we do not normally charge. We check existing service promises and previously paid work. This service covers defined contribution pensions. We do not advise on transferring or converting defined benefit pensions or other safeguarded benefits; if these are involved, we explain the need for an appropriately authorised specialist.
Ongoing advice is
a separate choice.
We explain whether it is suitable and what it covers. Standard annual rates are 0.6% while building investments and 0.75% for drawdown, on the agreed assets. You can ask for one-off advice.
Understand the ongoing service ↗︎A switch can involve losing valuable benefits or incurring costs. Consolidation is not automatically the right answer. Investment values can fall as well as rise.
Your next step
Let’s talk about your plans.
A conversation about what matters to you, and how we can help.
First consultation: no charge, no obligation.