💼 Pension Review in Worthing

From Goring-by-Sea to Broadwater and Durrington, many people in Worthing have several pensions from different stages of their career. We’ll bring them into one clear view, explain fees and investment risk, and highlight your options. Where a tailored recommendation is needed, we’ll connect you with an FCA-regulated adviser.

🤝 How We Help

• 📋 List and value each pension you hold
• 💹 Explain charges, investment mix and performance
• 👥 Check beneficiary nominations and policy features
• 🔄 Discuss consolidation, contributions and timelines
• 📞 Coordinate regulated advice where appropriate

📂 In Scope

• 🏢 Workplace schemes (current and past employers)
• 📊 Personal/SIPP pensions — funds, costs, diversification
• ❄️ Frozen pots — keep, move or combine after review
• ⏳ Pre-retirement planning — contributions and risk
• 👴 Retirement options — drawdown, annuity or blended approaches

⚖️ What to Consider

• 💰 Fees: Look at ongoing charges and any exit penalties
• 📉 Risk: Ensure investments match your comfort and time horizon
• 🔒 Guarantees: Safeguarded benefits may be valuable — check before moving
• 🧾 Tax: Reliefs, allowances and tax-free cash planning

📍 Local Notes

Worthing’s commuter links and varied employment mean multiple pots are common. A structured review makes it easier to plan contributions now and income later.

❓ Pension Review FAQs

Do I need to move everything into one plan?

Not necessarily — sometimes keeping certain pots makes sense. Advice will confirm.

Can I invest more each month?

Yes, subject to allowances. We’ll outline options and reliefs available.

When should I think about taking benefits?

That depends on your goals and tax position — advice will map the best approach.

What documents do you need?

📑 Recent pension statements if you have them; we can request details from providers too.

🚀 Next Steps

Share your pension details and objectives. We’ll compile a summary and connect you with an FCA-regulated adviser to put the right plan in place.