The service we provide............

1. We will provide you with a report on your current arrangement/s reviewing:
• the cost
• the investment performance
• the investment risk
• your options

You will then have three options;
• leave things as they are
• switch funds within your existing contract/schemes
• transfer to a new contract with much wider investment options

Leaving things as they are will be appropriate sometimes. Switching funds is rarely realistic - few old schemes give access to a wide range of funds from Investment Houses. We also find that clients often have a number of contracts/schemes which makes any attempt at management difficult, if not impossible. For these reasons it is most likely to be in your interest to transfer and consolidate into a new contract.

We will estimate the costs and benefits for you.

Follow this link to see sample reports >>More info...

2. If you agree transferring is the best option we will:

- Confirm our advice in a full report
- Arrange the transfer
- Advise you on a portfolio reflecting your “attitude to investment risk” >>More info...
- Annually review your pension portfolio.
- Regularly rebalance your pension portfolio
- Advise you how to reduce the investment risk as you approach retirement


What do we charge?

• For the initial report: £25 per contract*. This fee will be refunded if you ask us to rearrange your pensions
• If we rearrange your pension we will agree a fee based on a % of the fund value. This fee will be paid from the pension fund.

*(Retained benefits in ex-employer’s Final Salary/Defined benefit schemes are excluded –a quotation to provide a report for these contracts can be provided on request).