Independent Financial Advice You Can Trust
We understand that managing multiple pension pots can be complex and confusing. As Independent Financial Advisers (IFAs), we’re here to make pension consolidation straightforward, transparent, and tailored to your future.
What Is Pension Consolidation?
Pension consolidation is the process of combining several pension pots into one. Whether you've changed jobs over the years or accumulated different personal pensions, consolidating them can simplify your retirement planning and potentially reduce costs.
Why Consolidate Your Pensions?
Simplify Your Finances: Manage one plan instead of several.
Reduce Fees: Eliminate duplicated charges across different providers.
Improve Performance: Switch to more efficient or better-performing funds.
Greater Control: See your total retirement savings in one place.
Easier Planning: Make informed decisions about your retirement goals.
Our Approach
As fully independent advisers, we are not tied to any providers. That means we’re free to recommend the best options available across the whole market — solely in your best interest.
Here's how we help:
1. Pension Audit
We begin with a thorough review of your existing pensions, assessing performance, charges, and benefits.
2. Personalised Advice
We provide a clear recommendation on whether consolidation is right for you. Not all pensions should be combined — especially if there are guaranteed benefits or penalties.
3. Provider Search
We compare leading providers to find a consolidated pension that matches your goals, risk profile, and investment strategy.
4. Seamless Transfer
Our team handles the paperwork and ensures a smooth, compliant transfer process.
5. Ongoing Support
We continue to monitor your pension and provide regular reviews, ensuring your retirement plan stays on track.
Who We Work With
Whether you're just starting your pension journey or approaching retirement, we support:
Employees with multiple workplace pensions
Self-employed individuals with personal pensions
Individuals seeking clarity before retirement
Expats returning to the UK or with international pensions
Why Choose Cambridge independent Financial planning?
✔Independent, whole-of-market advice
✔ FCA-authorised and regulated
✔ Transparent, fee-based service
✔ Personal, jargon-free guidance
✔ Proven experience in retirement planning
Cant find your pensions, or simply Unsure on what to do with them?
feel free to get in touch—I’m happy to help make sense of it all and see if consolidation could work for you.