💼 Pension Review in Hastings

If you’re unsure how your pensions are performing — or if they’re still right for your goals — a structured review can help. We support clients across Hastings, St Leonards and Ore to locate old pots, understand fees and risk, and plan the next steps. Where a recommendation is required, we’ll connect you with an FCA-regulated adviser.

🛠️ Our Process

• 📂 Collect details for each pension (values, fees, funds)
• 📊 Explain performance and risk in clear, simple terms
• 📝 Check nominations and policy features
• 🔄 Discuss consolidation and contribution options
• 🤝 Coordinate a regulated advice report where needed

📋 What We Can Review

• 🏢 Workplace pensions from current and past employers
• 📈 Personal/SIPP plans including fund choices and charges
• 🕰️ Frozen pots you haven’t looked at for years
• 💰 Pension contributions and tax-relief opportunities
• 🎯 Retirement choices such as drawdown and annuity

⚖️ Key Considerations

• 💵 Costs vs. benefits: Small fee differences add up over time
• 📊 Risk alignment: Ensure investments match your objectives
• 🔒 Guarantees: Some policies include valuable protections — check before moving
• 🧾 Tax: Annual allowance, carry-forward and tax-free cash rules

📍 Local Notes

Hastings’ mix of employed and self-employed residents often means multiple small pots. Pulling everything together gives a single, manageable plan for the years ahead.

❓ Pension Review FAQs

🔄 Is consolidation right for me?

It depends — advice weighs charges, benefits and any guarantees before deciding.

📉 Can I choose lower-risk funds as I near retirement?

Usually yes — a regulated adviser can shape a glidepath that suits your timeline.