💼 Pension Review in Brighton & Hove

From creative freelancers to city commuters, many Brighton & Hove residents hold several pensions with different providers. We bring everything into one clear picture — fees, funds, risk and options — so you can make informed decisions. Where a personalised recommendation is needed, we’ll connect you with an FCA-regulated adviser.

🤝 How We Support You

• 🔍 Trace old workplace pots and confirm current values
• 📊 Explain charges and investment strategy in plain English
• 📝 Check nominations and essential paperwork
• 💡 Explore consolidation, contribution and tax-relief options
• 📑 Coordinate a regulated advice report where appropriate

📂 What’s in Scope?

• 🏢 Workplace schemes: Auto-enrolment and legacy employer plans
• 👤 Personal pensions/SIPPs: Costs, funds and diversification
• 📦 Frozen policies: Keep, move or consolidate after analysis
• 📈 Planning phase: Contribution strategy and investment risk
• 🎯 At-retirement: Drawdown, annuity or blended approaches

⚖️ Key Points

• 💰 Charges matter: 0.5–1% differences compound over time
• 📉 Risk alignment: Match investments to your time horizon
• 🔒 Protected features: Check for guarantees or bonuses before moving
• 🧾 Tax allowances: Make use of reliefs and carry-forward where suitable

📍 Local Notes

Brighton’s mix of salaried and freelance income often leads to multiple pots with varied risk. A structured review helps align everything to your goals — from early growth to sustainable retirement income.

❓ Pension Review FAQs

Will a review mean I must switch provider?

✔ No — sometimes staying put is best. The goal is clarity first, then action if it adds value.

Can I combine small pots?

✔ Often yes, subject to fees and any protected benefits. Advice checks this first.

How often should I review?

✔ Annually is sensible, or sooner if your situation changes.

What about ethical/ESG investing?

✔ Many pension platforms offer ESG options — a regulated adviser can align choices with your preferences.

🚀 Next Steps

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