Pension Review in Woking

💼 If you’ve changed jobs or built up multiple pension pots, it’s easy to lose track. We help people across Woking, Horsell, Knaphill, West Byfleet and Mayford bring pensions into focus — checking fees, performance and risk so you can make informed decisions. When a recommendation is needed, we’ll connect you with an FCA-regulated adviser.

What We Do

• 📑 Gather policy details and values across all your schemes
• 📝 Explain charges and fund choices in plain English
• 👥 Check beneficiary nominations and paperwork
• 💡 Outline consolidation and contribution options
• 📂 Coordinate a regulated recommendation where suitable

Areas We Can Review

• 🏢 Workplace pensions: Auto-enrolment and legacy employer plans
• 📊 Personal pensions/SIPPs: Funds, asset mix, and costs
• 📦 Frozen/paid-up pots: Whether to keep, move or consolidate
• ⏳ Pre-retirement: Contribution levels, tax relief and timeline
• 🔑 Retirement choices: Drawdown vs. annuity vs. partial options

Things to Consider

• 💰 Charges: Small % differences compound over decades
• ⚖️ Investment risk: Align to your horizon and comfort level
• 🔒 Guaranteed benefits: Don’t give these up without advice
• 📉 Tax: Annual allowance, carry-forward and tax-free cash rules

Local Notes

📍 With many commuters and contractors in Woking, multiple pension schemes are common. A structured review turns scattered paperwork into a clear plan.

Pension Review FAQs

❓ Is consolidation always best?

No — it depends on fees, funds and any guarantees. A regulated adviser will weigh this up with you.

📅 How often should I check my pensions?

At least annually — and after life events like a new job or property purchase.

💳 Can I increase or pause contributions?

Usually — options vary by scheme; we’ll outline what’s possible.

⏰ When should I think about drawdown?

Typically as you approach retirement — advice helps set the right income strategy.

Next Steps

🚀 Tell us what you hold and what you want to achieve. We’ll collate the details and connect you with an FCA-regulated adviser to agree the next steps.