Pension Review & Retirement Planning in Southwark

Working in and around Southwark, London Bridge and Borough often means multiple employers, workplace schemes and pension pots. We help you take stock of what you’ve built up and arrange introductions to regulated advisers who can review your pensions in detail.

Why Consider a Pension Review?

• Multiple workplace pensions: You’ve changed jobs and lost track of older schemes.
• City careers & bonuses: You want to know if current contributions and investments match your retirement goals.
• Approaching retirement: You’re starting to think seriously about when and how you’ll draw an income.
• Changing circumstances: New family commitments, property decisions or career moves.

What Can Be Reviewed?

Through a regulated pensions adviser, a review can look at:

• The current value and projections for each pension pot.
• Your investment strategy and risk level.
• Charges and fees being deducted from each plan.
• Whether consolidation into fewer pensions is in your best interests.
• Options at retirement such as drawdown, annuities or a mix.

Our Role

We do not provide regulated pension or investment advice. Instead, we:

• Help you outline your pensions and your retirement objectives.
• Introduce you to FCA-authorised pension advisers with experience working with Southwark and central London clients.
• Stay available if you’d like to discuss how pension planning fits alongside your mortgage and property goals.

High-Level Review Process

1. Initial chat: Discuss what pensions you have and what you’re aiming for.
2. Data gathering: The adviser will obtain detailed plan information and valuations.
3. Analysis: They review charges, investments, risk and projected outcomes.
4. Recommendations: If appropriate, they may suggest adjustments, consolidation or keeping things as they are.
5. Ongoing planning: Regular reviews to keep things aligned with your life and career.

Important Points & Risks

• Pension values can fall as well as rise.
• Transferring a pension may reduce or remove guarantees and protected benefits.
• Final salary / defined benefit transfers require specialist regulated advice and are not suitable for everyone.

Fees & Charges

Any charges for regulated pension advice will be clearly explained by the adviser before you proceed. We’ll also explain if we receive any commission or referral fee for introductions.

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Pension Review FAQs — Southwark

Can you tell me which pension to transfer to?

No. Any recommendation to transfer, consolidate or change pensions must come from an FCA-authorised adviser.

Is it worth reviewing my pensions if I’m still years from retirement?

Often yes. Understanding where you are now can help you make better decisions about contributions and investment risk.

Ready to Get Clarity on Your Pensions?

If you work or live in Southwark and would like a structured pension review, get in touch and we’ll help arrange an introduction to a regulated adviser.