Future Forecast
Take control of your financial future with Gower’s Future Forecast
Pension consolidation
Bring your pensions together for a clearer, more secure retirement. Our expert advisers help you consolidate your UK and Guernsey pensions, simplifying your financial future.
Take control of your retirement planning
Managing multiple pensions can be complex. Different providers, varied fees, and shifting regulations can make it difficult to understand your overall financial position. Pension consolidation can simplify your retirement planning by bringing all your pensions into one manageable scheme. Our expert advisers assess your situation and provide tailored guidance on whether consolidation is the right move for you.
Simplified Retirement Planning
Manage one pension instead of multiple schemes, reducing administrative hassle.
Greater Investment Control
Access a wider range of investment options suited to your financial goals.
Potential Cost Savings
Reduce fees by moving away from high-cost schemes.
Clearer Retirement Income Forecast
Understand how much you’ll have in retirement and how best to draw an income.
Frequently Asked Questions
Is pension consolidation right for everyone?
Not necessarily. Our advisers assess your current pensions, fees, and benefits before recommending consolidation. Some legacy schemes may offer valuable guarantees worth retaining.
Can I consolidate both UK and Guernsey pensions?
Yes, but the process depends on the types of pensions involved. Our advisers help navigate the regulations to find the best solution for you.
What happens if I used to live in the UK but now live in Guernsey?
We offer tailored solutions, such as QROPS, to ensure you maximise tax efficiency and access your pensions effectively.
Will I lose any benefits by consolidating my pensions?
Some pension schemes offer valuable benefits, such as guaranteed annuity rates. We conduct a full review to ensure you don’t lose any important features.
