Pension Review
Your Pension Review provides a factual overview of your current pension(s): current value, charges, underlying investments, current investment performance against benchmark, and accessibility in retirement.
Important: This is not advice. An upfront fee applies for this review. This review is a descriptive assessment of your existing arrangements. It does not include a personal recommendation or suitability advice. If you later choose to seek regulated advice, that would be a separate service with separate terms and fees.
What's Included in Your Review
Scope & Important Information (Not Advice)
Purpose, limitations and what this factual review does and does not cover.
Your Current Pensions — Overview
A schedule of your pension arrangements and provider details.
Current Values
Latest available valuations and dates for each plan.
Charges & Fees
Provider, platform and fund charges presented clearly.
Underlying Investments
Holdings, asset mix and fund objectives for each plan.
Performance vs Benchmark
Recent performance compared against an appropriate benchmark (where available).
Accessibility & Retirement Options
Earliest and normal retirement ages, access rules, drawdown/annuity options and any guarantees.
Pension Review FAQs
A pension review is an assessment of your existing pension arrangements. It looks at how much your pension is worth, the charges you're paying, the benefits included, and whether it's on track to meet your retirement goals.
Over time, pensions can become outdated or expensive compared to modern alternatives. A review helps you check whether your pensions are still suitable, if you're paying too much in fees, and whether you could be making better use of your savings.
We usually ask for your latest pension statements, details of your providers, and any existing transfer values. If you're unsure, we can help you request this information directly from your pension scheme.
We will also ask you to sign a Letter of Authority (LOA). This is a standard document that gives us permission to contact your pension providers on your behalf. It does not allow us to make any changes to your pensions; it simply means we can request the information needed for your review, saving you time and ensuring accuracy.
Yes. Many clients have several pensions from different jobs. We can review them individually or together, giving you a clear picture of your overall retirement savings.
We provide a transparent, fixed-fee service. The cost depends on the complexity of your situation. We'll confirm fees in advance so you know exactly what to expect.
We recommend reviewing your pension every 2-3 years, or sooner if you change jobs, approach retirement, or your circumstances change significantly.
You'll receive a clear summary of your pension arrangements, highlighting charges, benefits, and options. If changes are recommended, you can decide whether to proceed — there's no obligation.
Ready to get a clear picture of your pensions?
We'll document values, charges, investments, performance vs benchmark and accessibility in retirement.