💼 Pension Review in Guildford

Not sure how your pensions are performing or whether they’re still on track? We help people across Guildford, Godalming, Burpham, Merrow and Shalford get clarity on their retirement plans. From locating old workplace pots to checking charges and risk levels, we’ll organise everything and, where a recommendation is required, we’ll connect you with an FCA-regulated adviser who can tailor advice to your goals.

🤝 How We Help

• 🔍 Locate and list all existing pensions (workplace and personal)
• 📊 Explain charges, investment risk and past performance in plain English
• 👨‍👩‍👧‍👦 Check beneficiary nominations and update details where needed
• 📑 Outline consolidation options and drawdown vs. annuity basics
• 📌 Coordinate next steps with a regulated adviser for personalised recommendations

📂 What Can Be Reviewed?

• 🏢 Workplace pensions: Auto-enrolment and legacy schemes
• 📈 Personal pensions/SIPPs: Investment mix, fees and suitability
• 🗂️ Old frozen pots: Track down, compare costs and consider consolidating
• 🕰️ Pre-retirement planning: Contributions, tax relief and timelines
• 💷 At-retirement options: Drawdown, annuity or a blend

⚖️ Key Considerations

• 💰 Charges & value for money: Small differences compound over time
• 📉 Risk level: Align investments with your time horizon and comfort
• 📜 Protected benefits: Some legacy schemes include guarantees — assess before moving
• 🧾 Tax planning: Annual allowance, carry-forward and tax-free cash rules

📍 Local Notes

Guildford’s professional and commuter base often holds multiple pensions from previous roles in London and Surrey. Bringing everything into one clear view helps decisions land quickly and confidently.

❓ Pension Review FAQs

🔄 Should I consolidate my pensions?

Sometimes — it can reduce admin and charges, but you must check for guarantees or exit fees first.

📆 How often should I review?

Annually is sensible, or sooner after major life changes (job move, house purchase, marriage, children).

🔍 What if I can’t find old pots?

We’ll help trace them and gather the key details (values, fees, benefits).

⚙️ Can I change my investment risk?

Usually yes — a regulated adviser can recommend suitable changes based on your goals and timeline.

➡️ Next Steps

Share your pension providers (if known) and goals. We’ll compile a clear summary and connect you with an FCA-regulated adviser to agree the right plan for you.