Pension transfer specialists: old pensions, one clear plan
Lost track of pensions from old jobs? We'll bring them together, cut unnecessary charges, and give you one plan you can actually understand.
- Whole-of-market, independent advice
- A clear written recommendation
- A specialist who checks a transfer is right before you move a penny
Should you consolidate your pensions?
Most people pick up three or four pensions over a career and never look at them again, different providers, different charges, no idea if they're on track. We find them all, compare them, and tell you honestly whether bringing them together will lower your costs and simplify your retirement. Sometimes the right advice is to leave a pension where it is, and we'll tell you that too, because we work for you, not a provider.
How pension consolidation works with us
Why Positive Advisers for your pension transfer
Advice that weighs everything first
Our advice always weighs up the guarantees and exit penalties on your existing pensions before recommending any transfer.
“After years of a dormant pension, one meeting and some great advice got it moving in the right direction and gaining value again. Would definitely recommend for pension advice.”
“With Mark's guidance my personal pension has flourished over 15+ years; he always finds a great solution.”
“Very knowledgeable, explained everything clearly and made pension advice understandable in plain terms. Highly recommend.”
Meet your pension specialist
Terry Roberts leads our Essex team and specialises in pensions and retirement. DipFA, CeRER and CeMAP qualified, Terry is known for making complicated pensions feel simple, you'll leave your first call clearer than when you started.
Pension consolidation FAQs
Should I combine my pensions?
Often yes, for lower cost and simplicity, but not always. We check for valuable guarantees or exit penalties first, then recommend what's genuinely best for you.
What does it cost?
Your first consultation is free. If you go ahead, our initial advice fee is tiered (3% on the first £100,000, 2% to £250,000, 1% above; minimum £750) and always agreed in writing first.
Is transferring risky?
Transfers aren't right for everyone. As independent advisers we're required to recommend a transfer only where it's clearly in your interest, and we'll show you why.