Simplify Your Retirement

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Integral Advice Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number 719991

Key Benefits of Pension Consolidation

• Simplified Management: Manage all your pensions in one place, making it easier to track and plan for your retirement.
• Lower Fees: Reduce administration fees by consolidating multiple pensions into one plan.
• One Investment Strategy: Align all your pension pots with a single, coherent investment strategy tailored to your retirement goals.
• Flexibility: Enjoy greater flexibility in managing your retirement income options and risk levels.
• Streamlined Income: When the time comes, access one steady stream of income from your consolidated pension plan.

Understand how combining your pensions can help you reduce fees, increase control, and plan better for the future.
Have you accumulated multiple pensions throughout your career? Consolidating them into one easy-to-manage plan could help you save time, reduce fees, and increase control over your retirement savings. But is it the right choice for you? Download our FREE guide to find out!

What’s Inside the Free Guide:

• Understanding Your Existing Company Pensions: Explore the different types of pensions you may already have.
• Taxation and Advice on Consolidating Pensions: Learn about the tax implications and why professional advice is key.
• Key Considerations for Transferring Pensions: Understand the potential risks and rewards of consolidating your pension pots.
• Benefits & Risks Explained: Discover if pension consolidation could work in your favour, and how to avoid common pitfalls.

In April 2015, the Government introduced "Pension Freedoms", which gave you greater freedom and flexibility in accessing your pension savings. If you’ve accumulated several pension pots over the years, consolidating them could make it easier to manage your retirement strategy.

Pension rules are complex, and consolidating your pensions may or may not be the right choice. The most important thing is to compare the market and see if there’s a solution that better aligns with your financial objectives.

It’s always best to seek professional advice, especially when transferring pensions with safeguarded benefits.

Are You Considering Pension Consolidation?

What You Need to Know About Pension Consolidation:

The Benefits

• Reduced Fees: Consolidating your pensions often leads to lower management and administration costs.
  
• Easier Management: With one pension plan, you’ll only have one set of statements, reports, and ongoing decisions to track.
  
• One Investment Strategy: A single pension plan allows you to streamline your investments for maximum growth.

What to Consider

• Possible Loss of Benefits: Some pensions come with valuable benefits, such as guaranteed income or protection. Consolidation could mean giving up these features.
• Cost Implications: Consolidating may lead to higher fees, so it’s important to ensure that it’s worthwhile in the long run.
• No Guarantee of Better Growth: The funds you transfer may not perform better than your current pension. Always evaluate your investment options before making any decisions.

At Integral Advice, we’ve been delivering clear, personalised financial advice since 2016. Based in the City of London, we proudly support clients both locally and across the UK with tailored pension and retirement planning solutions.

Our founder, Paul Grant, has been advising clients since 1999. He launched Integral Advice to continue his mission of offering honest, high-quality financial guidance built around long-term relationships and real results.

Whether you're consolidating multiple pensions, planning for retirement, or reviewing your existing arrangements, we’re here to ensure you make informed decisions. Our advice is always based on what’s right for you, never driven by external interests.

With a strong track record and a reputation built on client recommendations, you can trust us to help you navigate your financial future with confidence.

Why Choose Integral Advice

FANCY A QUICK CHAT?
We're here to help. Live chat with us now in the bottom right-hand corner.