pension adviser
Combine your pensions into one simple plan
Take control of your retirement and let our pension advisers consolidate your pensions, submit the paperwork and everything in between.
- Combine pensions
- Rated as excellent
Why choose us
We know how to combine pensions
Feeling overwhelmed by tracking multiple pensions pots? Merging or transferring your pensions can make planning for your future a lot easier and less stressful.
Save Time
Don’t waste your valuable time searching for old pension plans and completing lengthy application forms. We’ll take care of it for you.
Save Money
By combining or transferring your pension pots into a single plan, you could make big savings on your monthly fees.
Get Expert Advice
Your pension adviser offers free initial consultations. You’ll discover your financial opportunities, with no obligation to continue. Risk free.
Couldn’t have asked for better service!
Jamie Radcliffe
client reviews
Real people.
Real reviews
Want to know why our clients love us? Read their honest testimonials and see first hand how we've helped others merge their pensions.
how to combine pensions
Take the first step
Advice whenever you need it
Get expert pension advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
However you want
You can chat via phone, video call or face to face
pension transfer
Can I merge pensions
We'll help you assess the risks and benefits associated with merging your pensions and make sure it's the right decision for you. We:
-
Assess your needs Consolidating multiple pensions and navigating complex pension rules can be confusing. Let us simplify the process for you.
-
Explain the process Help you assess the risks and benefits associated with merging your pensions and make sure it's the right decision for your financial situation.
-
Know the tax implications: Pension transfers can have significant tax implications, your GHL Direct adviser can help you understand these and minimize your tax liability.
pension transfer help
Your pension questions
A pension transfer involves moving your existing pension savings from one pension scheme to another. This can be beneficial in certain circumstances, such as if the new scheme offers better investment opportunities or has lower fees.
Higher potential returns: If you believe the new scheme offers better investment opportunities or has lower fees.
Pension consolidation: If you have multiple pensions and want to simplify your financial affairs.
Accessing your pension early: Under certain conditions, you may be able to access your pension before reaching the minimum pension age. However, this typically involves taking a lump sum and may impact your future pension income.
Transfer fees: Some schemes may charge fees for transferring in or out.
Tax implications: The tax treatment of pension transfers can vary depending on your circumstances. It's essential to seek professional advice.
Pension protection: If your existing pension scheme offers guarantees or protection, these may not be available in the new scheme.
Simplification: Reduces the number of accounts you need to manage.
Potential cost savings: Lower fees or charges in the consolidated scheme.
Improved investment opportunities: Access to a wider range of investment options.
Easier to track: A single account provides a clearer overview of your retirement savings.
Ready to chat?
If your still unsure if this is right for you, sit back and let us take the stress out of consolidating your pensions.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.