Pensions 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.


Pensions Adviser Cambridge

Having several pension pots can mean you do not have a clear idea of what your accrued benefits are, or what they're 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 them.

- Jennifer Hoyos

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, 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, 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 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 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

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 are good at explaining things in a way I understand.

- Sheila Thomas

Never had any problems. Friendly consultancies.

- Roger Stratford

I trust my adviser.

- Jon Daly

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.

- Christine Jolly

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

Our Address

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

Tel: 01223 211 122

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