Consultation

Pension Review Session

A focused review of existing workplace and personal pensions to clarify charges, investment choices, and whether consolidation would genuinely help.

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Person reviewing pension paperwork beside a cup of tea

Who this is for

People with two or more pension pots from previous employers, or those approaching fifty who want to understand projected retirement income before making irreversible decisions.

What you walk away with

A comparison of your pots, an explanation of exit charges and guarantees you might lose, and a recommendation on keep-as-is versus selective consolidation.

Included

  • Collection and comparison of scheme charges and fund options
  • Projection discussion using your target retirement age
  • Written summary with keep-or-transfer rationale

Not included

  • Ongoing fund switching on your behalf
  • Annuity brokerage unless separately engaged

Practical details

Provider
Pennycroft advisory team
Duration
Two to three weeks; one main meeting of about 75 minutes
Location
Video or office appointment in Dicki-le-Maggio
Preparation
Latest annual statements and any transfer pack already received
Fees
From £650 for up to three pots; additional schemes quoted separately

How the engagement unfolds

  1. 1

    Pot inventory

    We list every scheme, contribution history, and known guarantees.

  2. 2

    Charges and suitability

    We compare costs and investment ranges against your time horizon.

  3. 3

    Decision note

    You receive a plain-language note on what to leave alone and what to consolidate.

Please note: Transfers that forfeit valuable guarantees are only recommended where the trade-off is clearly documented and you accept the risk.

Ready to discuss your circumstances?

Arrange an introductory call