Services · Pension Consolidation
If you’ve worked for different employers over the years, chances are you have pension pots scattered all over the place. We bring them together — so your retirement savings finally work as hard as you did.
If you’ve moved between employers over the years, you may have pension pots sitting forgotten and underperforming across multiple providers. Many people don’t realise just how much this is costing them — in fees, in lost growth, and in the retirement income they deserve.
Some older pensions come with valuable guarantees or benefits that you might lose if you transfer without the right advice. This is exactly why specialist guidance is essential — not all consolidation is right for everyone.
You might have money you’ve forgotten about. A forgotten pension could mean thousands of pounds slipping through the cracks.
It’s a headache to keep track. Multiple pots mean multiple statements, poor-performing funds, and extra admin you don’t have time for.
You’re probably paying more than you need to. Older pensions can carry costly annual management charges that quietly drain your savings year after year.
Outdated investment options in older pensions can limit your growth and leave your money working far below its potential.
Combining pensions can make a huge difference — but it’s not always straightforward. Some older pensions come with valuable guarantees or benefits that you might lose if you transfer without the right advice. That’s where we come in.
At Supportive Financial Planning, we do the detailed investigation for you. We examine every pot, assess the charges, review the investment performance, and give you a clear, independent recommendation — so you never consolidate at the cost of a valuable benefit you didn’t know you had.
What you have — a complete picture of every pension, its value, and who holds it
What each pot is costing you — annual management charges, platform fees, and fund costs compared side by side
Which pots are working well — and which aren’t — with clear performance analysis you can actually understand
Whether to consolidate or keep some pots separate — based on the individual merits of each pension, not a one-size-fits-all approach
Merging your old pensions could save you money, simplify your finances, and help your retirement savings work harder for you. Here’s why so many people come to us to sort out their pension clutter — and leave with the clarity and confidence they’ve been missing.
We’re here to help you get clarity, confidence, and back on track for the retirement you deserve.
One pot, one view — know exactly where you stand and whether you’re on track for the retirement you want
Lower fees, more growth — combining pensions often means lower annual charges and thousands more in your pocket over time
One clear income in retirement — a single combined pot means one straightforward monthly payment, easier to budget and plan around
More flexibility when you retire — modern pension plans give you more freedom over how and when you access your money
From tracing lost pensions and reviewing charges to designing the retirement plan you’ve always wanted — we handle the complexity so you can focus on what matters most.
We track down every pension pot you have — including ones you may have forgotten about — and give you a complete picture of your total retirement wealth.
A side-by-side comparison of what each pension is costing you and how it’s performing — so you can see clearly where you’re losing money and where you’re not.
Some older pensions carry valuable guaranteed annuity rates or defined benefits. We identify these before recommending any transfer — so you never lose what you didn’t know you had.
A tailored recommendation on which pots to combine, which to keep separate, and how to structure a modern pension plan that aligns with your retirement goals.
Designing a clear, sustainable income strategy for retirement — one straightforward monthly payment, planned around your lifestyle and long-term needs.
Access to a wider range of investment funds — including sustainable options — that older pensions simply don’t offer, matched to your values and risk appetite.
“Very thorough, clear and supportive. Thanks for your help and support over the last twelve months — so very much appreciated by all of us.”
“Good, clear and precise advice and all questions answered. I feel very happy with Clive's advice and look forward to future co-operation.”
“Complete clarity and a real effort to empathise with our needs. Supportive Financial Planning make every effort to meet their customers' needs and provide excellent financial advice.”
“First class advice — I finally feel ecstatic and relieved. Thank you. The weight I'd been carrying for years simply disappeared after our first session.”
“Clive has taken a huge load off my mind — I trust him completely. I finally feel like someone truly has our family's best interests at heart.”
“Clive, you give us all the time and understanding we need. We never feel rushed. We always feel heard. Thank you from the bottom of our hearts.”
Don’t let forgotten or scattered pensions drain your future income. Decisions you make today shape the life you’ll live tomorrow — so let’s start building your secure future now. Book your free pension review with us today.
