Pension Consolidation

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In August 2017, the Bureau of Labor Statistics reported that the average person changes jobs around 12 times over their lifetime.

This could result in a handful of pension pots from different employers all being held in different accounts, especially following the introduction of auto-enrolment. 

The Challenge

Maintaining multiple plans can be time consuming, complicated and may lead to exposure to undue risk.

It can be hard to keep track of all of the pensions that you have as well as their performance.

By having your investments in separate pots you may also be at risk of loss of investment opportunity and exposure to higher charges.

The Retirement Adviser can work with you to consolidate your arrangements into one contract.

Our Solution

At The Retirement Adviser we can help in a number of ways:

  • Complete a review of your existing plans; their pricing structure and current investment strategy, penalties and policy guarantees
  • Discuss with you your current and required pension funding options
  • Devise an investment strategy to suit your individual attitude to risk and retirement objective

By consolidating your pension plans, we strive to achieve:

  • Reduced Annual Management Charges
  • Suitable investment strategy for the long term


A pension is a long term investment the fund value may fluctuate and can go down. You may not get back the original amount invested. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

My adviser listened to my needs and requirements and gave me professional and considered advice based on what I asked for. At no time did I feel pressurised to take this advice and he explained in plain English anything I did not understand. 

Member of UBM Pension Scheme