Pension Review & Retirement Planning in Keston

We support clients in Keston, Locksbottom, Bromley and Hayes who want to understand their pensions and retirement options more clearly. If you have several pension plans, or you’re unsure whether you’re on track, a structured review can help.

Why Arrange a Pension Review?

• Multiple pensions: Old workplace schemes or personal pensions spread across providers.
• Mid-life check: You want to check if current savings are enough for your desired lifestyle.
• Approaching retirement: You’d like to understand income options and tax considerations.
• Changing risk appetite: You want to review how your pension is invested as you get older.

What’s Included in a Review?

• Overview of current pension values and projected retirement income.
• Assessment of investment mix and risk level.
• Review of charges and fees.
• Consideration of the pros and cons of consolidation.
• Discussion of retirement options such as drawdown and annuities.

Our Role & How We Work

We are not authorised to give specific pension or investment advice. Instead, we:

• Help you summarise your current pensions and goals.
• Introduce you to an FCA-authorised pension adviser with the necessary permissions.
• Remain on hand if you wish to discuss how pension planning interacts with your mortgage and property plans.

Steps in the Process

1. Initial discussion: Outline your pensions, desired retirement age and lifestyle.
2. Data collection: Adviser obtains full details from pension providers.
3. Analysis: Review of risk, performance, charges and potential options.
4. Advice & recommendations: If suitable, the adviser may recommend keeping, adjusting or moving certain plans.
5. Ongoing reviews: Periodic check-ins to ensure your pension remains aligned with your goals.

Risks & Important Information

• Pension investments can fall as well as rise.
• Transferring or consolidating pensions may mean losing guarantees or benefits.
• Defined benefit transfers require specialist regulated advice and won’t be right for everyone.

Fees & Charges

The adviser will explain any charges for regulated advice before work begins. We will also confirm how we are remunerated for any introductions.

Useful Links

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Pension Review FAQs — Keston

Do I have to move my pensions after a review?

No. It may be best to leave them where they are. Any move would only happen if a regulated adviser believes it’s in your best interests and you agree.

Can you help if some of my pensions are very small?

Yes, small pots can still matter. A review can look at how they fit into the bigger picture.

Ready to Discuss Your Pensions?

If you live in Keston or nearby and want a clearer understanding of your pensions, get in touch and we’ll help you take the next step.