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Pension Consolidation

Bring your pensions together with clear, tailored advice from a Redmayne Bentley Financial Planner.

If you’ve changed jobs over the years, it's likely you have more than one pension pot, which makes it harder to:

• Track performance
• Understand fees and charges
• Manage investments
• Plan effectively for retirement

Bringing your pensions together could make them easier to manage, giving you a clearer view of your retirement savings and future plans.

Book Your Consultation

Pension consolidation is not always suitable.

Your Financial Planner will understand your retirement goals and review your pensions, explain your options clearly and help you understand if consolidation is suitable for you.

Our service includes:

✓ Review of existing pensions
✓ Assessment of suitability
✓ Personalised recommendations
✓ Support with transfers and paperwork if applicable

Book Your Consultation

A Simple Two-Step Process

1. Pension Consolidation

Initial advice fees are typically from 0.50% of the value of pensions consolidated.

2. Ongoing Service

Optional ongoing Financial Planning advice is available from 0.50% per year.

Book Your Consultation

View Our Brochure

This service is available for individuals with a balance of over £100,000 across their pensions.

This information is for UK residents only. Please note that this page is for information only and does not constitute a recommendation or financial advice. The value of investments and any income derived from them may go down as well as up and you could get back less than you invested. Please note that tax treatment depends on the specific circumstances of each individual and may be subject to change in the future. The Financial Conduct Authority does not regulate Cashflow Modelling, Taxation or Trust advice. A pension is a long-term investment. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Pension savings are at risk of being eroded by inflation. Pension consolidation is not suitable for everyone. Transferring pensions may result in the loss of valuable benefits or guarantees, so any recommendation will be based on your personal circumstances.

Pension Changes

What the April 2027 Pension Changes Mean for You

As things stand today, most personal and workplace pensions sit outside your estate for Inheritance Tax (IHT) purposes. This has resulted in pensions becoming one of the most tax efficient ways to pass wealth between generations. For many people, this had helped them to plan the order of spending their wealth such as using, cash, individual savings accounts (ISAs) or other investments first, and retaining their pensions until last. Fast forward to 6th April 2027, the changes will mean that any unused pension funds (any monies that have not been spent and remaining in your pension) will generally be included within the value of your estate for IHT. Continue Reading

Tax Wrappers

How Much You Invest Matters… Where You Invest, Matters More

When conversations turn to investing, the numbers usually dominate. How much is being contributed, whether it is enough, and how returns are tracking against expectations tend to frame the discussion. Yet one of the most consequential investment decisions often receives far less attention - not how much you invest, but where you invest it. Continue Reading

Long-Term Investing

Why Long-Term Investing Matters

For participants in financial markets, periods of volatility are a near certainty and need to be managed. Volatility is a cost of entry when investing. Even for calendar years of positive returns, financial markets retain the ability to experience meaningful rises and falls. Continue Reading

150 Years of Trusted Guidance

At Redmayne Bentley we have been providing trusted investment expertise and personal financial guidance tailored to each client’s individual circumstances since 1875.

Join Redmayne Bentley

Talk to us now about opening a new portfolio or transferring your portfolio from another provider

0113 243 6941

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Redmayne Bentley LLP is a Limited Liability Partnership. Registered in England and Wales. Registered No: OC344361
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