💼 Pension Review in Horsham

🤔 Not sure how your pensions are performing, what you’re paying in fees, or whether your plans still fit your goals? Our Horsham team connects you with experienced advisers who can review your existing pensions, locate old pots from previous employers, and explain your options in clear, practical terms.

📍 We support clients across Horsham, Southwater, Broadbridge Heath, Roffey, Littlehaven, Warnham and Billingshurst — helping you understand what you have, what it costs, and how it’s working toward your retirement plans.

✨ Why have a pension review?

• 🔍 Clarity: See all your pensions in one place, including any old or “lost” workplace pots.
• 📊 Charges & performance: Understand what you’re paying and how your investments have performed against suitable benchmarks.
• ⚖️ Risk level: Check whether your current investment mix matches your risk tolerance and timeline.
• 📦 Consolidation: Explore whether combining certain pots could simplify admin and reduce costs (while protecting valuable benefits).
• 💷 Contributions: Make sure your ongoing payments and employer contributions are working efficiently for you.
• ⏳ Approaching retirement: Understand options like drawdown or annuity and how/when tax-free cash may apply.

📑 What a pension review covers

• 📂 Plan details: Scheme type (workplace, personal, stakeholder, SIPP), current value and contributions.
• 💰 Fees & features: Annual management charges, platform costs, and any guarantees or safeguarded benefits.
• 📈 Investments: Funds or model portfolios you hold, diversification and risk profile.
• 👨‍👩‍👧 Beneficiaries: Up-to-date nominations so benefits can be paid according to your wishes.
• 🧩 Gaps & overlaps: Identify under- or over-exposure and duplicate holdings across pots.

🤝 Should you consolidate pensions?

Bringing pots together can simplify paperwork and sometimes lower fees. But consolidation isn’t always right — exit penalties, guarantees (e.g., certain annuity rates), or scheme-specific benefits may be worth keeping. A review weighs the pros and cons for each pot before any decision.

🎯 Approaching retirement: getting “fit for purpose”

If you’re within 5–10 years of retiring, the review checks whether your investments and withdrawal plan are aligned with your target age and income needs. You’ll get a clear explanation of typical routes (e.g., income drawdown or guaranteed income via annuity) and how sequencing risk, market volatility and withdrawal rates can affect outcomes.

🛠️ How we work with you

1. 📞 Discovery: A short call to understand your pensions, goals and timescales.
2. 📃 Information gather: We help you collate policy numbers, statements and provider details (and locate old workplace pots).
3. 🧐 Review & recommendations: An adviser analyses charges, investments and features, then explains your options in plain English.
4. ✅ Implement (if you choose): Any changes are handled for you, with clear updates at each step.
5. 🔄 Ongoing check-ins: Optional periodic reviews to keep your plan on track as life changes.

📝 What to bring to your review

• 📄 Recent pension statements or a list of providers and policy numbers
• 🏢 Workplace scheme details (current and previous employers)
• 📜 Any correspondence about guarantees or special features
• 🎯 Rough idea of your retirement age and target income
• 💳 Latest payslip (if contributing via salary) or contribution schedule

❓ Frequently Asked Questions (Horsham)

🔎 Can you help find old or lost workplace pensions?

Yes — we’ll help trace previous employer schemes and gather the information needed for the review.

💡 Is consolidating pensions always a good idea?

No. Consolidation can cut fees and simplify admin, but some pots include valuable benefits that are worth keeping. The review checks this first.

📊 What’s the difference between drawdown and an annuity?

Drawdown keeps your money invested and lets you vary income; an annuity converts some or all of your pot into a guaranteed income. The best route depends on your needs, guarantees and attitude to risk.

🔄 Can I change how my pension is invested?

Often yes. Many schemes offer different funds or model portfolios. A review checks whether your current mix still suits your goals and timeframe.

📆 How often should I review my pensions?

Most people benefit from a check-in annually or after big life events (new job, pay rise, house move, marriage, children, approaching retirement).