Pension Consolidation Adviser in Cambridge

During a 35 to 40 year working career, on average, people move every seven years, which means you could end up with 5, 6 or more different pension pots to keep track of.

Pension Consolidation Cambridge

Having several pension pots can mean you do not have a clear idea of what your accrued benefits are, or what your benefits are likely to be when you retire.

Not only that, there's the practicality that keeping track of several pots can be difficult and there's even a risk that some older or smaller pots of money go unclaimed.

When you move home or your circumstances change, including getting married, having children, getting divorced etc., it means you have to inform several different pension providers each time you want to inform them of a change of address or your nominated beneficiaries. Wouldn't it be much easier to just have to inform one? Therefore, consolidating your pension in to one pot can make a lot of sense, subject to the charges, investment options and plan flexibility.

The options include sweeping up previous employer pensions in to your current workplace pension. Alternatively, or if you are self-employed, you may prefer to set up a separate pension over which you have more control and use that to consolidate your various pension pots.

However, if any of your previous pensions have 'defined benefits', it's not as simple as just "sweeping up" and transferring the benefits. For more information about that, please refer to our Pension Transfers page.

There may also be other implications to consider. For example, the death benefits, Inheritance Tax, safe-guarded rights and entitlements to state benefits and long term care planning, to name a few. Each and every person with a pension scheme will need to review their financial planning options accordingly and if you’re thinking of consolidating a pension pot worth £30,000 or more, you must obtain professional advice.

Although it should be simple, it’s usually not. Therefore, don't risk it and talk to us. We’ll guarantee to help you make the right decisions about securing your financial future.

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What people say about us:

I have always been very satisfied with the advice and service I receive from

I have always been very satisfied with the advice and service I receive from them.

- Jennifer Hoyos

My adviser Chris Galpin is very good at explaining how our investments and pensions work

My adviser Chris Galpin is very good at explaining how our investments and pensions work, and he is always available should we need advice.

- Annie Roberts

We used the services of the Chris Galpin and I cannot rate his helpfulness

We used the services of the Chris Galpin and I cannot rate his helpfulness, knowledge or patience highly enough. He very efficiently soughted out the best mortgage for us and then got on with the application process with the minimal amount of fuss. Nothing was too much trouble and I will be using him in the future.

- Fiona Gilbert

All our dealings to date have been excellent

All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner.

- Michael Dearman

I have had honest advice and when my husband died they did all the necessary paper work for me

I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount.

- Patricia Revel

I get a good personal service from an experienced and thoughtful person

I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice.

- Penny Henderson

The level of service has continued at the same high standard

I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard.

- Adrian Moxon

They were recommended to me and I have already recommended them to others.

They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand.

- Sheila Thomas

Never had any problems. Friendly consultancies

Never had any problems. Friendly consultancies.

- Roger Stratford

I trust my adviser

I trust my adviser.

- Jon Daly

The financial adviser I have dealings with has been excellent over the years

The financial adviser I have dealings with has been excellent over the years.

- Janet Huskinson

My experience has been very good, especially the personal help from Philip Bowden-Pickstock

My experience has been very good, especially the personal help from Philip Bowden-Pickstock.

- Christine Jolly

I was very happy with the service that Dartington provided

I was very happy with the service that Dartington provided with respect to our new mortgage and I have already recommended them to a friend.

- Dr Michael Gifford

I was looking for a reliable company to set up and manage my portfolio.

I was looking for a reliable company to set up and manage my portfolio. After an initial consultation to fully understand my needs, Malcolm and Andrew handled my case with a professional approach and carefully explained my options, leaving me no doubt that my money is in safe hands… Nicola Cope

Malcolm and the team have been brilliant with starting our financial journey and have kept us in the loop at every stage. Excellent professional service, great advice, super quick responses!.. Liam Hayes

I worked with Rachel Rutherford on some insurance products and was so impressed with the service I asked for a full review of my family investments too. The review and the advice was excellent – pragmatic, informed and practical, and better than previous advisers I’ve worked with. Look forward to using Dartington again in the future…

- Triston Noyes

I recently took out a life insurance policy to protect my mortgage.

I recently took out a life insurance policy to protect my mortgage. My advisor was Rachel Rutherford and the service was efficient and professional…

- Jordan Tweed

I have been using Dartington Wealth Management for two years now

I have been using Dartington Wealth Management for two years now, since my previous financial advisor retired. Malcolm and the team are always extremely helpful and very quick to respond to any queries. He undertook a review of my investment and pension portfolio last year, which was completed professionally and yielded very positive results. I would have absolutely no hesitation in recommending Dartington Wealth Management…

- Martin Noon

Terrific service from Rachel

Terrific service from Rachel, taking time to fully understand my requirements and then presenting detailed analysis of the options open to me. Just the right level of detail and she brought a reassuring level of market knowledge to ensure I got the right product at the best price…

- Ed Henriet

I contacted Dartington Wealth Management with no much hope for a quick

I contacted Dartington Wealth Management with no much hope for a quick call back (due to COVID-19 the office was closed). Within 10 minutes I received an e mail back followed by the phone call from Malcolm!
I’ve been provided with a honest and highly professional opinion on my inquiry. Malcolm was extremely helpful. Once my personal circumstances have changed I will not think twice but certainly contact Dartington. Thank you Malcolm!..

- Ilona Karpanos

Dartington Wealth Management is unique in my view in that all its staff are trained to a very high level

Dartington Wealth Management is unique in my view in that all its staff are trained to a very high level and are endlessly helpful and willing to help out even with trivia that is hardly rewarding for them.
When it comes to specialist things, their skills stretch to pretty well every area of our financial lives and you know you are getting the benefit of cutting edge advice . Malcolm Coury, the CEO, has looked after me over some 20 years and when things get tough, which they are at present, he is always there with good advice given in a way that shifts panic to one side and brings sweet clarity to only the things that should concern us.
Malcolm and his team make sure every communication is answered that day even if it is occasionally just to acknowledge and confirm the date a full reply will come through.
I am hugely impressed with them and would have no hesitation in recommending Dartington to someone looking for an IFA…

- Simon Smith

Very knowledgeable, very quick to respond and detailed analysis

Very knowledgeable, very quick to respond and detailed analysis…

- Sarah Moore

I spent a bit of time talking to several IFAs before settling on DWM

I spent a bit of time talking to several IFAs before settling on DWM- what sold me on them was the deep level of information gathering they did up-front to make sure they really understood what I was asking- and it helped me to understand too. It also helped that their charges were far more reasonable than I had seen elsewhere!..

- Niall Gillespie

Malcom and his team have provided an efficient and professional service

Malcom and his team have provided an efficient and professional service, demonstrating in depth knowledge with clear explanation. A pleasure to deal with…

- Amanda Cameron

I have instructed the many services Dartington Wealth Management offer

I have instructed the many services Dartington Wealth Management offer, Pension and Investment services, Mortgages and Work Placed Pension the professional, impartiality and quality of advice is second to none…

- James Brain

Good solid expert advice. keep up the good work Dartington!

Good solid expert advice. keep up the good work Dartington!..

- Ros Pollard

Excellent service and support, always very helpful and rapid to respond

Excellent service and support, always very helpful and rapid to respond…

- Charles Bruce

My partner and I received incredibly helpful and honest information from Oliver

My partner and I received incredibly helpful and honest information from Oliver. Very helpful & honest – they aren’t just trying to sell you something! We benefited from his extensive knowledge and experience and we’re incredibly grateful for his help. We would recommend him and the company to anyone…

- Daisy

Dartington are a recommended independent financial advisor for people

Dartington are a recommended independent financial advisor for people in the Universities pension scheme (USS). I met up with Oliver Bridgman, he gave me the advice I needed, and with no charge for the initial consultation, which gave me all the advice I needed to take the right next steps. I now need more advice and will be going to him again…

- Julian Peck

Fast and really helpful advice from Malcolm- thank you!

Fast and really helpful advice from Malcolm- thank you!..

- Alex Sutton

Malcolm and his team are amazing! Deep knowledge and proactive “on-the-ball” service

Malcolm and his team are amazing! Deep knowledge and proactive “on-the-ball” service…

- Mike Bekin

Our Address

Dartington Wealth Management Ltd.
5b Clifton Court,
Cambridge CB1 7BN

Tel: 01223 211 122
Email: enquiries@dartingtonwealth.co.uk

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