All your pensions, finally in one place.
The average UK worker now holds around 11 jobs over their career — and a pension pot for each one. Most are forgotten, expensive, and invested in defaults that haven’t been reviewed in a decade.
You can’t plan around pots you can’t see.
Old workplace pensions are easy to ignore. They sit on different platforms, with different login details, sending paper statements once a year that go straight in the recycling. Until you actually want to retire — at which point you discover charges of 1.5% on schemes that should be charging 0.3%.
Consolidation isn’t the right answer in every case. Some older schemes hold guarantees you’d lose by moving. But for most modern workplace pots, bringing them together cuts charges, opens up modern investment choices, and gives you a single view of the most important asset on your balance sheet.
It also makes the retirement income plan possible. You can’t coordinate drawdown across six pots you’ve lost the passwords to.
The cost of leaving them scattered.
A 1% charge difference over 25 years can quietly cost you a quarter of your pension.
With proper consolidation advice
- Each old scheme reviewed individually — not blanket-transferred
- Guarantees and protected benefits flagged before anything moves
- Charges compared and lower-cost platforms identified
- Investments chosen for fit, not whatever default the old scheme had
- A single, modern platform with proper online access
- One statement, one fund choice, one withdrawal plan in retirement
Leaving them as they are
- Paying 1%+ in charges on schemes that should cost a third of that
- Invested in 1990s-era default funds that no longer suit you
- Losing pots entirely when providers change names or get bought
- No way to coordinate drawdown order in retirement
- Your family inheriting a paperwork nightmare
- Missing tax-efficient consolidation windows during career changes
Strategy, not product pushing.
A four-step process that’s the same for every client — though the conclusions never are.
Track everything down
We’ll find every pot — including the ones you’ve forgotten about. The Pension Tracing Service helps; so does going through old payslips.
Analyse each one
Charges, fund choice, guarantees, transfer penalties. Each pot reviewed on its own merits before deciding whether to move it.
Consolidate what should move
The ones that benefit from moving are transferred to a modern, lower-cost platform. The ones with valuable guarantees stay where they are.
Keep it relevant
Annual review of the consolidated pot — charges, performance, allocation. And we add new workplace pots in as they come along.
Things people often ask.
Is consolidating my pensions always a good idea?
No. Some older defined-benefit pensions, or schemes with guaranteed annuity rates, are worth far more than their transfer value suggests. Each pot needs to be looked at individually before any decision to move it.
What about my current workplace pension?
Your current employer’s pension usually stays where it is — you’d lose the employer contributions otherwise. The consolidation focuses on old pots from previous jobs.
I’ve lost track of old pensions. Can you find them?
Yes. We can use the government’s Pension Tracing Service plus your old employment history to track them down. It’s common to uncover pots people had completely forgotten about.
Does it cost anything to transfer?
Most modern pensions transfer free of charge. A few older schemes have exit penalties — those are flagged and factored into the decision before anything moves. The advice fee for the consolidation work itself is agreed upfront.
How long does the consolidation process take?
Usually 6–12 weeks from start to finish, depending on how many providers we’re dealing with. Some providers are slow with paperwork — we manage that side so you don’t have to.
What if I don’t want to move them yet but still want clarity?
Completely valid. The review itself — getting a clear picture of what you have, where, and at what cost — is worth doing even if no consolidation happens. You can act on it whenever feels right.
Let’s start with a conversation.
An initial review is without obligation. It often surfaces forgotten pots and quiet charges — even if you don’t move a thing.